Consumer complaint received 2025-06-07 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: FL

Complaint narrative:
Subject : Formal Complaint XXXX XXXX Systemic FCRA & FDCPA Violations and Credit Bureau Complicity 1. Overview of Violations I am filing this formal complaint regarding XXXX XXXX XXXX  ( XXXX ), XXXX ongoing systemic violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and deceptive reporting practices, which have resulted in significant financial harm. Additionally, Experian, XXXX, and XXXX  have acted in complicity by continuing to report re-aged accounts and failing to reflect disputes despite legal obligations. 
Despite my formal CFPB dispute filed on XX/XX/XXXX, XXXX XXXX and the credit bureaus have failed to correct violations, which include : Failure to mark accounts as disputed ( FCRA 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) Re-aging of charge-offs to extend negative reporting beyond seven years ( FCRA 15 U.S.C. 1681c ) Failure to validate debts despite formal disputes ( FDCPA 15 U.S.C. 1692g ) Knowingly reporting inaccurate information ( Florida Statute 559.72 ( 9 ) ) 2. Specific Account Violations XXXX. XXXX XXXX / XXXX Account # XXXX Credit Bureaus Reporting : Experian, XXXX, XXXX  Violation : Re-aging of Charge-Offs ( FCRA Violation 15 U.S.C. 1681c ) Details : o Charge-off reported each month from XX/XX/XXXX to XX/XX/XXXX ( XXXX instances ). 
o Status date updated to XX/XX/XXXX, falsely extending the reporting period beyond seven years. 
Case Law : XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) Failure to investigate disputes violates FCRA. 
B. XXXX XXXX Account # XXXX Credit Bureaus Reporting : Experian, XXXX, XXXX  Violation : Failure to Validate Debt ( FDCPA Violation 15 U.S.C. 1692g ) Details : o Charge-off reported each month from XX/XX/XXXX to XX/XX/XXXX ( XXXX instances ). 
o No validation provided despite formal disputes through XXXX XXXX XXXX. 
Case Law : FTC XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Improper debt validation violates FDCPA. 
XXXX XXXX XXXX Account # XXXX Credit Bureaus Reporting : Experian Violation : Duplicate Reporting of Accounts ( FCRA Violation 15 U.S.C. 1681i ( a ) ( 5 ) ) Details : o Listed twice on Experian with different amounts. 
o Charge-off reported each month from XX/XX/XXXX to XX/XX/XXXX ( XXXX instances x XXXX ). 
Case Law : XXXX XXXX XXXX Experian Information Solutions ( XXXX XXXX. XXXX ) Duplicate reporting violates FCRA. 
3. Complicity of Credit Bureaus Despite legal disputes filed, Experian, XXXX, and XXXX  have failed to : 1. Mark accounts as disputed ( FCRA 15 U.S.C. 1681s-2 ( a ) ( 3 ) ) 2. Delete inaccurate and unvalidated information ( FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ) 3. Cease reporting unlawfully re-aged charge-offs By continuing to report XXXX XXXX  unlawful debt practices, these bureaus are complicit in FCRA violations . 
4. Legal Basis for Enforcement Action The following violations warrant immediate regulatory enforcement : Failure to Remove Unverified Accounts ( FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ) Failure to Notify of Reinserted Information ( FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ) ) Failure to Conduct a Reasonable Reinvestigation ( FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ) Failure to Validate Debt ( FDCPA 15 U.S.C. 1692g ) Additionally, under Florida consumer law, these violations constitute : Deceptive trade practices ( Florida Statute 501.204 ) False reporting of consumer debt ( Florida Statute 559.72 ( 9 ) ) XXXX  XXXX proceeded to sue me on all un-validated debts causing me extreme distress and my credit score has been severely damaged by their continuous false reporting including the bureaus which falsely state that the disputes are resolved, when indeed they are not. 
XXXX XXXX systemic misconduct and the credit bureaus complicity in unlawful reporting must be immediately addressed by the CFPB. I request a formal review, corrective action, and regulatory enforcement against all parties involved.

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