Credit reporting or other personal consumer reports -- Problem with a company's investigation into an existing problem -- Complaint #12848989

Complaint Overview

Complaint ID: 12848989

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Sub-Issue: Their investigation did not fix an error on your report

State: Georgia

ZIP Code: 398XX

Date Received: 2025-04-06T12:00:00-05:00

Date Sent to Company: 2025-04-06T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

Formal Dispute and Demand for Deletion Due to FCRA Violations Account Name : XXXX XXXX XXXX Account Number : XXXX To Whom It May Concern : This letter serves as a formal dispute and demand for deletion of the account listed above, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). I am writing to notify you that Experian is in violation of multiple provisions of the FCRA for failing to maintain accurate reporting and failing to verify or validate the disputed account. Below are the specific and documented violations : 1. Inaccurate Status Reporting ( FCRA 607 ( b ) ) The account previously reported as : " Charged Off '' with a balance of {$10000.00}, written off. Now updated to " Closed '', still showing the same amount written off. This change in status is misleading, incomplete, and deceptive. A closed account can not simultaneously have an active charge-off payment history. This conflict renders the account inaccurate and unverifiable. 2. Continued Reporting of CO Notations While Marked Closed The account history reflects monthly " CO '' ( charge-off ) marks through XX/XX/XXXX to XX/XX/XXXX, while the account is also listed as closed with a {$0.00} balance. These charge-off notations are both false and damaging. This is a violation of : FCRA 607 ( b ) Maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Reporting data with knowledge of inaccuracy 3. Failure to Provide Method of Verification ( FCRA 611 ( a ) ( 7 ) ) I previously requested the method of verification, and to this date, no documentation has been provided to prove the investigation was conducted with valid data from XXXX or XXXX XXXX. You updated the account without offering proof of : Who verified the debt What documentation was used How the updated status was confirmed 4. Re-aging of Account ( FCRA 623 ( a ) ( 5 ) ) Changing the status update date to XX/XX/XXXX, when the last actual activity occurred earlier, amounts to an illegal re-aging of the account. This manipulation can cause the account to remain longer than legally allowed, violating : FCRA XXXX ( a ) ( XXXX ) Accurate reporting of the date of first delinquency 5. Violation of Identity Theft Protections ( FCRA 605B ) I submitted FTC identity theft documentation multiple times, yet Experian continues to request the same supporting documents. This is a direct violation of your responsibilities under FCRA 605B, which obligates you to block fraudulent information upon receipt of the proper paperwork. 6. Failure to Delete Inaccurate/Unverifiable Data ( FCRA 611 ( a ) ( 5 ) ( A ) ) Since Experian failed to verify this information with the original creditor or any authorized third party, and since XXXX XXXX XXXX they no longer report this account ( CFPB Complaint Response XX/XX/XXXX ), this account should have been deleted entirely, not renamed or altered. Requested Action : Immediate deletion of this account from my credit report. Full method of verification : Provide the documentation used to verify and update this account. Identify the furnisher who verified this data, as XXXX XXXX has confirmed they are not reporting this. Notice of Liability : This letter serves as notice of your violations. Per FCRA 616 and 617, I reserve the right to seek damages of {$1000.00} per violation, as well as actual and punitive damages, should you fail to comply. If this account is not removed within 15 days of receipt of this letter, I will escalate this matter by : Filing formal complaints with the CFPB, FTC, and State Attorney General. Seeking legal counsel for damages related to your non-compliance. . This account was previously marked as " charged off '' with a {$10000.00} balance and has now been altered to " closed '' with a {$0.00} balance, with no method of verification or documentation provided. This letter outlines serious violations of my rights under the FCRA : 1. Failure to Verify and Provide Method of Verification Under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required to provide me with the method of verification used to verify this account. To date, I have not received any evidence or documents from either Experian or the alleged furnisher ( XXXX XXXX XXXX or XXXX XXXX XXXX ). 2. Inaccurate and Contradictory Reporting The account reflects a status of " Closed '' as of XX/XX/XXXX with a {$0.00} balance, yet still shows repeated monthly charge-off ( " CO '' ) notations from XX/XX/XXXX to XX/XX/XXXX. This is inconsistent, inaccurate, and misleading. A closed account can not lawfully accrue new charge-offs monthly. 3. Willful Noncompliance with Dispute Obligations The FCRA ( 15 U.S.C. 1681i ) mandates that Experian conduct a reasonable investigation within 30 days of a consumer dispute. The consistent stall tactics, including repeated requests for ID theft documentation I have already submitted, show willful noncompliance. 4. Reporting of a Debt That Has Been InvalidatedPer your own CFPB complaint response dated XX/XX/XXXX, XXXX XXXX XXXX stated they terminated collection efforts and are no longer reporting this account. Therefore, it is a direct violation of FCRA Section 623 ( b ) to continue furnishing or verifying the account in any manner. 5. Violation of FCRA Section 605BDespite receiving an identity theft report and supplemental documentation, Experian continues to unlawfully demand redundant documents and has failed to block fraudulent information as required under Section 605B. 6. Deceptive Investigation Practices The CFPB has investigated and penalized Experian for sham investigations. Based on the attached documents, it is evident no real investigation was performed, and information was merely altered without validation. Relief Requested : Immediate deletion of the XXXX XXXX XXXX account from my credit file. Full disclosure of all documents used to verify this account, including but not limited to : the original application, the assignment of contract, flow agreement, and any correspondence from the original creditor or debt buyer. Compensation for each FCRA violation ( {$1000.00} per violation under 15 U.S.C. 1681n ) and for emotional and financial harm caused by your negligent and willful noncompliance.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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