Consumer complaint received 2025-01-28 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: NY

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint against Experian regarding their improper reporting of my NY XXXX XXXX XXXX account. Despite my prior disputes, Experian continues to report this account inaccurately, violating the Fair Credit Reporting Act ( FCRA ) and federal guidelines. 

Key Issues : Reporting Beyond the Statute of Limitations : This account opened in XXXX and was scheduled to stop being reported in XXXX, but Experian has extended its reporting to remain on my credit file until XXXX. This is over six years past the permissible seven-year reporting limit outlined in the FCRA for negative information. 
Experians improper re-aging of this account significantly harms my credit profile and financial opportunities by misrepresenting the age of the account. This extension is both misleading and unlawful. 
XXXX XXXX is Not a Commercial Debt : A letter from the NY XXXX XXXX XXXX XXXX confirms that XXXX XXXX obligations are judicial in nature and not commercial debts. Such obligations are not governed by business or consumer credit laws, making Experians reliance on typical data-furnisher processes to validate this account inappropriate. 
Experian can not treat XXXX XXXX obligations as if they were subject to commercial validation procedures, as this practice results in significant errors and inaccuracies. 
Failure to Conduct Proper Investigations : Despite my multiple disputes, Experian has failed to independently verify the accuracy of this account, as required by the FCRA. Instead, Experian has relied solely on the whatever " data furnisher '', even though XXXX XXXX agencies operate outside the scope of consumer credit systems. 
This reliance has resulted in inaccuracies, and the overall reporting status. 
Harmful Impact : Experians misreporting of this account has severely impacted my credit score and financial opportunities, such as obtaining credit and loans at fair interest rates. The inaccurate reporting creates a false representation of my financial history, leading to undue financial hardship. 
Supporting Evidence : I have attached the following documents to substantiate my complaint : Credit Reports from Experian : These reports demonstrate the improper re-aging and reporting of the account beyond the statute of limitations. 
Letter from NY XXXX XXXX XXXX XXXX : This document confirms that XXXX XXXX obligations are not commercial debts and must be handled through judicial processes. 
Prior Disputes : Documentation of my previous complaints to Experian and their inadequate responses. 
Requested Actions : I respectfully request that the CFPB : Investigate Experians improper reporting of this account and their practice of re-aging debts beyond the statute of limitations. 
Ensure that Experian removes this account from my credit report in compliance with federal law. 
Hold Experian accountable for their failure to comply with the FCRA and their perpetuation of inaccurate credit reporting. 
Conclusion : This account is reported over six years beyond the statute of limitations, creating significant harm to my financial reputation. XXXX treatment of this judicial obligation as a commercial debt is inappropriate and unlawful. I urge the CFPB to take action to protect consumers from Experians improper practices and ensure compliance with fair credit reporting standards. 

Thank you for your attention to this matter. I am available to provide additional information or documentation as needed. I've also contacted Ftc, BBB, and my attorney general. the reports will be in attachments along with my state ID, Social security card, and bank statement, 5 months of Experian credit report showing re-aging account from month to month and highlighting all the ignored fields. along with previous disputes via cfpb portal and a letter from XXXXXXXX XXXX as evidence from above complaint description.

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