Consumer complaint received 2025-04-09 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: AR

Complaint narrative:
To Whom It May Concern, I, XXXX XXXX, am submitting this formal complaint regarding persistent inaccuracies in my credit reports maintained by Experian and Equifax, and unlawful debt collection practices by XXXX XXXX XXXX. This complaint follows previous unresolved disputes ( Case Numbers : XXXX, XXXX, XXXX ) and introduces new violations of federal consumer protection laws. 

Key Issues Outdated Negative Information ( FCRA 1681c ) : The debt is past the 7 year mark as of XX/XX/XXXX. Experian 's own credit report states this debt to be removed by XX/XX/XXXX. As of today it is, XX/XX/XXXX. 

XXXX XXXX XXXX inaccurately reports the " date opened '' as XX/XX/XXXX, misrepresenting the debt 's age to circumvent the 7-year reporting limit under FCRA 1681c ( a ) ( 4 ). 

TransUnion Deletion Precedent : XXXX deleted this account after investigation, confirming it is either unverifiable or inaccurate. Under FCRA 1681i ( a ) ( 5 ) ( A ), Experian and Equifax should follow suit given identical factual circumstances.

Failure to Mark as Disputed ( FCRA 1681s-2 ) : Experian does not show this account as disputed despite multiple submissions. Equifax only recently added a dispute marker after prolonged efforts. 

Fraudulent Debt Ownership Claims : XXXX XXXX XXXX claims ownership of a debt allegedly purchased from XXXX XXXX, yet : XXXX XXXX reports the original account as closed/paid with {$0.00} balance ( XX/XX/XXXX ) XXXX can not produce documentation proving chain of ownership Time-Barred Debt Harassment ( FDCPA 1692e ) : XXXX has acknowledged this debt is beyond the statute of limitations for litigation but continues to report it as collectible. 

Legal Violations Law Violation FCRA 1681c ( a ) ( 4 ) Reporting debt beyond 7-year limit FCRA 1681e ( b ) Inaccurate " date opened '' ( XX/XX/XXXX ) and conflicting balance vs XXXX XXXX XXXX {$0.00} reporting FDCPA 1692g Failure to validate debt ownership upon request FCRA 1681i Failure to conduct reasonable investigations despite XXXX 's deletion Requested Actions Immediate Deletion of XXXX XXXX XXXX account from Experian and Equifax reports due to : Expired reporting period XXXX 's precedent of deletion Inconsistent ownership documentation Formal Investigation into : XXXX XXXX XXXX 's pattern of re-aging debts ( XX/XX/XXXX date fabrication ) Experian/Equifax 's failure to reconcile with XXXX XXXX 's {$0.00} balance report Systemic violations highlighted in CFPB v. Experian ( XX/XX/XXXX ) and Equifax 's $ XXXX penalty Corrective Measures under : FCRA 1681n ( Civil liability for willful noncompliance ) FDCPA XXXX ( Damages for deceptive collection practices ) Updated Compliance with XXXX 's 60-day resolution window ( XXXX XXXX XXXX ) given previous complaints were improperly closed. 

Supporting Evidence XXXX 's deletion confirmation XXXX XXXX 's {$0.00} balance statement ( XX/XX/XXXX ) XXXX 's contradictory " date opened '' reporting Prior CFPB case numbers and correspondence This pattern of violations reflects systemic issues in credit reporting accuracy and debt validation processes. I request expedited resolution given the 7-year duration of these inaccuracies and their material impact on creditworthiness. 

Sincerely, 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