Consumer complaint received 2025-06-24 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: IL

Complaint narrative:
Good morning! Im glad you reached out. Based on everything youve described, youre clearly identifying inaccuracies, inconsistencies, and possible violations in how this XXXX XXXX charge-off account is being reported to Experian. Below is a dispute letter tailored specifically to the issues you raised. 

Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report XXXX XXXX XXXX Account Dear Experian Dispute Department, I am writing to formally dispute the inaccurate reporting of a XXXX XXXX account appearing on my Experian credit report. The details of the account are as follows : Creditor Name : XXXX XXXX Date Opened : XX/XX/XXXX Current Status : Charge-Off Reported Balance : {$2500.00} Date Balance Updated : XX/XX/XXXX Upon reviewing my credit report, I have identified multiple discrepancies, inconsistencies, and possible violations of the Fair Credit Reporting Act ( FCRA ). Please investigate the following issues : 1. Inaccurate Payment History Chart : The account is reported as opened in XX/XX/XXXX, yet the payment history chart for that same month shows a dash indicating no information reported. This is inconsistent and misleading. An open account should have a reporting history for the month it was opened. 

2. Improper Charge-Off Reporting : The account allegedly charged off in XX/XX/XXXX, yet your records continue to show a status of Charge-Off consistently from that point through XX/XX/XXXX, including reporting a past due balance in XX/XX/XXXX. This is contradictory. 

Once an account is charged off, it should not continue to reflect past due amounts month after month. The FCRA prohibits the misrepresentation of account status in a way that may be misleading or unfairly damaging to the consumer. 

3. Missing or Misleading Status in XX/XX/XXXX : The payment chart for XX/XX/XXXX reflects no data, breaking the continuity of reporting and further indicating the account is not being reported consistently or accurately.

4. Written Off Balance vs. Past Due : You list the total amount ( {$2500.00} ) as both written off and past due If the account has been charged off and written off, the balance should not continue to be reported as past due. This is a conflicting status that creates confusion and potential harm to my creditworthiness. 

5. No 1099-C Form Provided : If the debt was truly charged off and/or sold to a third party, I should have received a Form 1099-C ( Cancellation of Debt ) from the original creditor or debt collector. I have not received any such document.

6. Incorrect Dispute Comment : The comment listed as Account information disputed by consumer meets FCRA requirements is inaccurate. This account does not meet FCRA standards for completeness and accuracy, and I am re-disputing the account for reinvestigation. Please update this comment accordingly. 



Given the numerous reporting errors and inconsistencies, I am requesting the immediate deletion or full correction of this XXXX XXXX account from my Experian credit report. Under the FCRA ( 15 U.S.C. 1681i ), you are required to conduct a reasonable investigation of my dispute and respond with your findings within 30 days.

Please confirm receipt of this dispute and provide me with a written outcome of your investigation. I request that any updates made to my credit file be shared with all other nationwide consumer reporting agencies to whom this account was furnished.

Enclosures : Copy of my ID Social Security Card Proof of address FTC Report Thank you for your time and attention to this matter. 



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