Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Subject : Formal Dispute of Re-Aged Account in Violation of FCRA To Whom It XXXX Concern, I am writing to dispute inaccurate and unlawfully reported information currently appearing on my credit report. Specifically, I have identified re-aging of XXXX or more accounts, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ) ( XXXX ) ( XXXX ) and XXXX. 
Disputed Account ( XXXX ) : Creditor/Collection Agency Name : XXXX  XXXX, XXXX account number XXXX, XXXX XXXX XXXXXXXX XXXX XXXX  account number XXXX, XXXX XXXX XXXX, XXXX account XXXX, XXXX Inaccuracy : The " date of first delinquency '' has been altered or misrepresented, resulting in unlawful re-aging of the accounts to remain on my credit report beyond the XXXX reporting limit. 


According to XXXX XXXX. XXXX ( a ) ( XXXX ), credit reporting agencies are prohibited from reporting : " Accounts placed for collection or charged to profit and loss which antedate the report by more than XXXX years. '' The date of first delinquency must be used to calculate the XXXX reporting period. In FTC XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX ), the court made it clear that extending the reporting period by changing the delinquency date is a clear violation of the FCRA. 
Additionally, XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) requires that data furnishers accurately report the date of first delinquency, and they are prohibited from updating or resetting this date to extend the reporting period. 
In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that a consumer reporting agency must do more than simply verify data with the furnisher it must conduct a reasonable and independent investigation of disputes under XXXX ( a ). 
Requested Action : I respectfully demand that Experian : Conduct a reinvestigation of the above-listed account ( XXXX ) ; Correct the reporting by reverting to the actual original date of first delinquency ; Immediately remove any accounts that are beyond the XXXX reporting limit ; Provide me with a written confirmation of the results and a free updated copy of my credit report as required by law. 


Please note that continuing to report re-aged accounts is not only a violation of the FCRA, but XXXX also expose Experian and the furnisher to civil liability including actual damages, statutory damages, attorneys fees, and potentially punitive damages. 
If this issue is not resolved, I am prepared to escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as pursuing legal remedies. 
Re-aged accounts, which is a serious FCRA violation. Re-aging refers to a debt collector or creditor improperly changing the " date of first delinquency '' to keep an account on your credit report longer than the legal XXXX reporting limit under the Fair Credit Reporting Act ( FCRA ).

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