Consumer complaint received 2026-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XX/XX/XXXX Consumer : XXXX XXXX Against : XXXX XXXX XXXX and Experian To Whom It May Concern : XXXX XXXX XXXX reporting of this account remains materially inaccurate and unsupported by adequate documentation. Significant accounting discrepancies, unresolved furnishing issues, and deficiencies. XXXX XXXX XXXX and Experian continue to violate the Fair Credit Reporting Act ( FCRA ). This dispute is no longer limited to debt validation. The central issue is whether Experian failed to properly investigate the reinsertion of a debt that had already been paid and previously removed, and whether XXXX XXXX XXXX improperly reinserted and furnished that debt despite prior payment and deletion. XXXX acknowledges that : the account was allegedly purchased on XX/XX/XXXX, payments totaling {$700.00} were received by XXXX XXXX XXXX XXXX XX/XX/XXXX and a remaining balance of {$830.00} is allegedly owed. However, XXXX failed to provide competent documentary evidence establishing how this balance was calculated after substantial payment activity occurred. Importantly, prior to XXXX furnishing its collection tradeline, I submitted proof of payment. {$700.00}, to Experian in the form of a cashiers check made payable to XXXX XXXX XXXX XXXX XX/XX/XXXX. Following submission of this evidence, the original charge-off tradeline was deleted from my Experian credit file in or around XX/XX/XXXX. Shortly thereafter, XXXX initiated collection activity and later furnished a new collection tradeline in early XXXX. Despite having notice of substantial payment activity and prior deletion of the original tradeline, XXXX furnished derogatory information without providing adequate reconciliation records establishing the accuracy of the reported balance. Under 15 U.S.C. 1681s-2 ( b ), furnishers are required to conduct a reasonable investigation after receiving notice of dispute from a consumer reporting agency and to report complete and accurate information. Likewise, under 15 U.S.C. 1681i ( a ), Experian is required to conduct a reasonable reinvestigation of disputed information. Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of information contained in consumer reports. Neither XXXX nor Experian has demonstrated compliance with these statutory obligations. XXXX response notably omits critical accounting and furnishing details, including : 1. The exact date the {$700.00} payment was posted ; 2. The exact allocation of the {$700.00} payment ; 3. Documentary chain of title establishing ownership and assignment chronology ; 4. A complete post-payment account ledger ; 5. The exact date XXXX first furnished information to each consumer reporting agency. Additionally, Experian has failed to disclose : 6. The exact method of verification utilized during its reinvestigation ; 7. Whether any manual review of supporting documentation actually occurred. Instead, the response relies upon conclusory statements unsupported by competent documentary reconciliation. The deficiencies are significant because : the original tradeline was removed after payment evidence was provided, XX/XX/XXXX substantial payment activity occurred after alleged assignment, the furnisher has failed to provide a reconciled accounting history, and Experian nevertheless verified the disputed collection reporting. This raises serious concerns regarding whether Experian merely relied upon automated e-Oscar responses rather than conducting the reasonable reinvestigation required by federal law. Accordingly, I formally demand the following : 1. Exact payment posting date for the acknowledged {$700.00} payment ; 2. Exact payment allocation and accounting reconciliation ; 3. Documentary chain of title after assignment ; 4. Complete post-payment ledger and transactional history ; 5. Exact furnishing dates to all consumer reporting agencies ; 6. Full disclosure of Experians verification methodology ; 7. Confirmation as to whether any manual review occurred. If these items can not be produced, then the continued furnishing and verification of this tradeline calls into question the accuracy, completeness, and verifiability of the reported information under the FCRA. Accordingly, I request : immediate reinvestigation, review by a qualified human representative, deletion of unverifiable or materially misleading information, and correction of any inaccurate reporting. I reserve all rights under federal and state law, including rights arising under the Fair Credit Reporting Act for negligent or willful noncompliance.

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