Consumer complaint received 2024-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to file a formal complaint regarding unlawful actions taken by XXXX XXXX XXXX, XXXX XXXX a creditor reporting erroneous information on my credit report. Specifically, I believe XXXX XXXX XXXX, XXXX XXXX has violated provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, by re-aging debt and continuing to report collections month after month in an attempt to extend the statute of limitations for this debt. 

Background I have been closely monitoring my credit report, and I noticed that XXXX XXXX XXXX, XXXX XXXX has been reporting the same debt account every month as new, even though the account is significantly older and should have been reported as a closed or static debt. This ongoing re-reporting seems to be a clear attempt to extend the statute of limitations illegally, as the debt in question is beyond the legal timeframe for collection or enforcement under my state 's statute of limitations laws. 

Violation of Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c, creditors are required to accurately report the date of first delinquency and refrain from continuing to update the date in order to manipulate the reporting period. In this case, [ XXXX 's XXXX ] has been inaccurately updating the delinquency information, which has resulted in misleading information on my credit report. Section 1681s-2 ( a ) explicitly prohibits the furnishing of inaccurate information to credit reporting agencies. 

Additionally, the practice of continuously updating delinquent accounts to manipulate the age of the debt violates both the FCRA and the Unfair and Deceptive Acts and Practices ( UDAP ) under 15 U.S.C. 45 ( a ). Such deceptive tactics create an unfair burden on consumers by negatively impacting credit scores and extending the threat of collection indefinitely. 

Requested Action In light of these violations, I respectfully request the CFPB to : Investigate XXXX XXXX XXXX, XXXX XXXX for improper re-reporting of collection activity to credit bureaus. 
Require XXXX XXXX XXXX, XXXX XXXX to immediately cease the unlawful practice of re-aging this debt. 
Enforce penalties against XXXX XXXX XXXX, XXXX XXXX for their violation of federal laws, including the FCRA and XXXX provisions. 
Ensure that the negative account reporting is removed from my credit report. 
I have enclosed copies of relevant portions of my credit report as evidence of the improper reporting. Please feel free to contact me if any further information is required to investigate this matter. 

Thank you for your time and attention to this serious issue. I trust that the CFPB will take appropriate action to protect consumers from unlawful and unfair reporting practices.

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