Consumer complaint received 2024-12-03 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: VA

Complaint narrative:
I am writing to formally demand a reinvestigation of the following account, which is inaccurately reported on my credit file : Account Name/Creditor : XXXX XXXX Account Number : # XXXX This account is reported as charged-off/written-off. According to IRS guidelines, a written-off or charged-off account is considered taxable income to the creditor and should not be reported to consumer reporting agencies. 

Background of Dispute On XX/XX/year>, I submitted a reinvestigation request regarding this account sent by certified mail using the USPS, outlining specific questions and demanding supporting documentation to validate its accuracy. Despite my detailed request, Experian updated the account without correcting the errors or providing the required information, in clear violation of FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates disclosure of the investigations findings and procedures. 

Additionally, Experian failed to address or resolve the inaccuracies on my report. This failure underscores non-compliance with FCRA 1681i, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information reported. 

In contrast, XXXX deleted this same account after determining it could not be verified. Experians failure to follow suit highlights negligence in conducting a reasonable reinvestigation. Harm Caused by Inaccurat
e Reporting Experians handling of this reinvestigation has caused me significant financial and emotional harm, including : A lowered credit score, which has impacted my ability to secure financial opportunities. 
Denial of credit applications, affecting my financial standing. 
Emotional distress from the prolonged dispute process and Experians failure to comply with federal law. 

Detailed Requests I request that Experian immediately reinvestigate this account and provide the following : Verification Process Details The name, title, and role of the Experian employee who communicated with the creditor. 
The date, duration, and contact method ( e.g., phone number or email ) used to communicate with the creditor. 
Identification of the individual and their position at the creditor who was consulted. 
Confirmation of whether the investigation was conducted manually or through an automated system ( e.g., E-OSCAR ). 

Documentation Requests Certified physical copies of all documentation used in the reinvestigation, including the original signed contract or legally binding records demonstrating my financial obligation. 
Response Method USPS delivery of all requested documentation for secure handling. 
If Experian can not verify the accuracy of this account with the requested information, I demand that it be deleted from my credit file immediately. 

Legal Obligations To ensure compliance with federal law, I remind you of the case Dixon-Rollins v. Experian Information Solution , which underscores your obligation to conduct thorough and reasonable reinvestigations under FCRA. Experians failure to address these inaccuracies or provide a proper explanation leaves me no choice but to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Final Notice If Experian fails to provide detailed responses and the requested documentation within 15 days, I will consider this a violation of my rights under FCRA and will demand the removal of the account. Please take this matter seriously to avoid further escalation.

Company response to consumer: Closed with explanation