Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
CFPB Complaint Letter Experian / XXXX XXXX XXXX From : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Email : XXXX Phone : XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington XXXX DC XXXX Subject : Fifth Dispute Experian Failure to Provide Human Verification & Continued Reporting of Inaccurate Account Information ( XXXX XXXX XXXX Account # XXXX ) Summary This is my fifth attempt to resolve ongoing Fair Credit Reporting Act ( FCRA ) violations by Experian concerning inaccurate and unverified reporting by XXXX XXXX XXXX ( Account XXXX  XXXX ). Despite multiple disputes, Experian continues to verify the account using automated systems ( E-OSCAR ) without producing human-reviewed verification or documentation from the original creditor, XXXX XXXX , in violation of 15 U.S.C.

1681i ( a ) ( 2 ) and 1681i ( a ) ( 6 ).

Details of Violations Reporting Agency : Experian Debt Buyer : XXXX XXXX XXXX  Original Creditor : XXXX XXXX. 
Account Number : XXXX Balance : {$2500.00} Status : Collection account. {$2500.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Violations include : documentation. 
1. Experian has verified this account multiple times without any human verification or original 2. The Date of First Delinquency ( DOFD ) is missing or inconsistent, violating FCRA 623 ( a ) ( 5 ).

3. The account is reported as 'past due as of XX/XX/XXXX, ' which is inaccurate because collection accounts can not legally show a 'past due ' status. 
4. The tradeline shows continuous collection reporting from XXXX to XXXX, which suggests re-aging or improper updating.

5. This marks the fifth dispute, and Experian continues to violate the duty to conduct a good-faith reinvestigation under FCRA 611 ( a ).

Requested Resolution Immediate deletion of the XXXX XXXX XXXX tradeline ( Account XXXX XXXXXXXX ) from my Experian credit file. 
Proof of human verification and documentary evidence from the original creditor, XXXX XXXX. 
Written confirmation that Experian did not rely on automated E-OSCAR responses for this investigation. 
Certification of no reinsertion, ensuring the account can not reappear unless fully verified with documentary proof per FCRA 611 ( a ) ( 5 ) ( B ).

Correction of any inaccurate payment history, delinquency markers, or collection status linked to this account. 
XXXX Requested 1. Permanent deletion of the unverified XXXX XXXX XXXX tradeline from Experian. 
2. Written proof of a human-reviewed investigation and documentation from XXXX. 
3. Confirmation that Experian has corrected all related inaccuracies.

4. Legal assurance that this tradeline will not be reinserted unless verified and disclosed to me within five business days.

Penalties for Non-Compliance Each FCRA violation may result in civil liability up to {$1000.00} per occurrence, plus damages, court costs, and attorneys fees. This letter documents Experians repeated non-compliance and lack of human verification despite five prior disputes. 
Signed, 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