Consumer complaint received 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Experian Dispute Department, I am writing to dispute and demand a proper reinvestigation of several accounts currently listed on my Experian credit report dated XX/XX/XXXX. 

Several of these items have already been disputed and re-investigated, yet Experian continues to report them without providing verification or documentation. This repeated verification without proof clearly shows Experian has not conducted a reasonable investigation as required by FCRA 611 ( a ) ( 1 ). 

Below are the specific accounts in question and the reasons for my disputes : XXXX. XXXX, XXXX. Checking Account # XXXX This was a deposit ( checking ) account, not a credit account. It is being reported as a charge-off with {$870.00} written off, which is misleading and inaccurate under the FCRA. A checking account that is closed or overdrawn does not fall under standard credit reporting categories unless properly verified as a loss-bearing charge-off, which has not been demonstrated. 

There has been no documented validation, and the account history reflects updates through XXXX  despite no activity since XXXX, suggesting possible re-aging or data fabrication. The FCRA requires that reporting agencies ensure all information is accurate and can be verified not simply repeated from a furnishers database. 

Requested Action : Provide written verification from XXXX, XXXX. confirming the accuracy of this account, including the original overdraft date, documentation of any charged-off balance, and the date of first delinquency. If Experian can not verify this with proper evidence, this tradeline must be deleted under FCRA 611 ( a ) ( 5 ). 

2. XXXXXXXX XXXX XXXX Account # XXXX This account was a secured/prepaid card and was paid and closed in XXXX. Reporting it as a charge-off with {$99.00} written off is inaccurate, as secured card deposits cover such balances. Previous disputes have resulted only in Experian listing the item as updated, not corrected. 
Requested Action : Verify the actual closure status or remove the account under FCRA 611 ( a ) ( 1 ) ( A ).

3. XXXX XXXX XXXX XXXX Account # XXXX Shows a Paid, Closed status while still listing multiple months as 120 days late. This is contradictory and misleading. The last reinvestigation did not resolve these inconsistencies. 
Requested Action : Correct payment history or delete if proper documentation can not be provided. 

XXXX. XXXX XXXX XXXX Account # XXXX This debt allegedly originated from XXXX XXXX XXXX, yet I have no account or agreement with that company. I never received a validation notice or proof of ownership. Despite prior disputes, Experian continues to report this account without verified documentation. 
Requested Action : Delete this account immediately if Experian can not obtain and share documented verification under FCRA 611 ( a ) and FDCPA 809 ( a ).

5. XXXX XXXX Account # XXXX Reported as charged off but also purchased by another lender. Once a debt is sold, the original creditor must report a {$0.00} balance. Continuing to show a balance is inaccurate and creates duplicate derogatory reporting alongside XXXX XXXX. 
Requested Action : Update balance to {$0.00} or delete this entry entirely. 

6. XXXX XXXX XXXX XXXX  Account # XXXX Listed as a collection for {$440.00} allegedly owed to XXXX XXXX XXXX XXXX XXXX. I have never received communication or validation for this debt. Reporting this item without verification violates FCRA 611 ( a ). 
Requested Action : Provide validation or remove the account. 

XXXX. XXXXXXXX XXXX XXXX. Account # XXXX XXXX XXXX  is reporting both a paid/closed account and a charged-off account for {$74.00}. This appears to be duplicate or inaccurate reporting that misrepresents my payment history. 
Requested Action : Remove or consolidate duplicate reporting, and verify any remaining balance with XXXX XXXX  directly. 

XXXX. XXXX XXXX XXXX XXXX Account # XXXX This account duplicates the same debt already reported under XXXX XXXX. Dual reporting of a single obligation is misleading and unfairly damages credit standing. Previous disputes were closed without supporting documentation. 
Requested Action : Remove duplicate entry or verify the ownership transfer documentation between XXXX XXXX and XXXX XXXX XXXX 

Experians continued reporting of these disputed items, after prior reinvestigations, without verifiable proof from the furnishers, constitutes willful noncompliance with the Fair Credit Reporting Act. Under FCRA 611 ( a ) ( 1 ), Experian is obligated to conduct a reasonable reinvestigation and to delete or correct any information that can not be verified. 

Please provide : Written confirmation of the results of each reinvestigation. 

The name, address, and phone number of each furnisher contacted. 

A free updated copy of my credit report once the reinvestigation is complete. 

Enclosed are copies of my government-issued ID, proof of address, and my Experian report with each disputed item highlighted. 

Thank you for your prompt attention. I expect Experian to fulfill its legal obligations and ensure the accuracy of my consumer file. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation