Consumer complaint received 2025-08-01 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: MI

Complaint narrative:
Experian is reporting two accounts on my credit report that violate multiple federal laws, Metro 2 reporting standards, and fair reporting obligations under the FCRA. Despite previous disputes, Experian has failed to correct or delete these inaccuracies and has verified false data without any documented procedural investigation. These are willful violations, and I am demanding immediate enforcement action. 

Accounts in Dispute : XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX Balance : {$520.00} Status : Charged-Off Issue : This account is reporting monthly CO ( charge-off ) notations from XXXX through XXXX, totaling over 50 instances of false derogatory reporting. A charge-off is a one-time accounting action, not a recurring event. This practice artificially re-ages the account and damages my score month after month.

Violations : FCRA 623 ( a ) ( 5 ) : Requires accurate charge-off date.

FCRA 607 ( b ) : Requires maximum possible accuracy. 

Metro 2 Reporting Standard : Allows a charge-off to be reported only once. 

XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX Balance : {$2600.00} Status : Collection Issue : Experian is reporting continuous monthly C ( Collection ) status notations since XXXX. This falsely suggests ongoing delinquency, even though no new debt has been incurred. This reporting re-ages the debt and misleads other lenders. 

Violations : FCRA 607 ( b ) : Requires accurate and non-deceptive reporting.

FCRA 623 ( b ) : Furnishers must correct and update inaccurate data.

Metro 2 Compliance : Prohibits recurring negative status codes for old static debt.

Procedural Failures by Experian : I have previously disputed both accounts, and Experian has verified them without explanation.

Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), I am legally entitled to know how the investigation was conducted. Experian refuses to provide procedural verification, violating both my rights and the transparency required under law.

I have not received any documentation validating either debt or proving the reported data was verified with proper evidence.

Personal Information Errors : Experian is also illegally reporting inaccurate names, including : XXXX XXXX XXXX XXXX XXXX XXXX These are not my legal names and were never authorized for reporting. Experian has refused to remove them, even after formal disputes. This violates : FCRA 604 ( a ) : No permissible purpose exists for inaccurate name reporting.

FCRA 607 ( b ) : Maximum possible accuracy requirement.

Relief Requested : Permanently delete or correct the XXXX XXXX XXXXXXXX XXXX account to show a single charge-off date. 

Correct or delete the XXXX XXXX XXXX  collection account and cease re-aging through monthly C notations.

Immediately remove all unauthorized name variations from my credit report.

Provide me with a copy of the full procedural investigation results used to verify these accounts.

Investigate Experian for ongoing patterns of deceptive reporting, profit-motivated inaccuracies, and failure to comply with federal law.

Additional Notes : I am prepared to escalate this matter to the Attorney General, XXXX and federal court if necessary. I expect prompt intervention and full compliance with all legal duties imposed by the FCRA, Metro 2, and CRA requirements. 

Consumer : XXXX XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Address : XXXX XXXX XXXX, XXXX, MI 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