Consumer complaint received 2025-08-11 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: CA

Complaint narrative:
I am filing this complaint against Experian for willful violations of the Fair Credit Reporting Act ( FCRA ) regarding XXXX collection accounts that have been illegally reported on my credit report despite being deleted by XXXX  after their investigation. 
Background - Dual Collection Violation XXXX collection companies are attempting to collect and report the same underlying debt from XXXX : XXXX XXXX XXXX - Account # XXXX ( {$3300.00} ) XXXX XXXX XXXX - Account XXXX XXXX ( {$2300.00} ) Critical Facts : XXXX XXXX XXXX sued me and obtained a DEFAULT JUDGMENT XXXX XXXXXXXX Once XXXX obtained the judgment, they became the legal owner of the debt XXXX XXXX XXXX can not legally collect on a debt already adjudicated in court Both companies reporting the same debt constitutes illegal " double jeopardy '' credit reporting Timeline Discrepancies- Re-aging Violations Court Records : XXXX XXXX XXXX approximately XXXX Experian Reports : Both accounts show " Date Opened : XX/XX/XXXX '' This impossible timeline proves both companies have illegally " re-aged '' the debt to extend the 7-year credit reporting period, violating FCRA Section 605 ( a ) ( 4 ). 
XXXX  Validates My Dispute On approximately [ DATE OF XXXX  LETTER ], XXXX  conducted a thorough investigation and COMPLETELY DELETED both accounts from my credit report. XXXXXXXX XXXX letter stated they determined " something on your credit report did not seem right '' and took action accordingly. 
XXXX XXXX  deletions prove : The accounts violated credit reporting accuracy standards My disputes were legitimate and well-founded The information was unverifiable or inaccurate Experian 's Willful Violations Despite XXXXXXXX XXXX deletions and my repeated disputes, Experian continues to report both accounts with " Verified and Updated '' status as of XX/XX/XXXX. This constitutes willful FCRA violations because : Notice of Inaccuracy : Experian now has clear notice that another major credit bureau found these accounts inaccurate enough to delete entirely Willful Noncompliance : Continuing to report information that another bureau deleted shows willful disregard for accuracy requirements Inconsistent Reporting : My credit reports now show conflicting information across bureaus, harming my creditworthiness Specific FCRA Violations Section 611 - Procedure in case of disputed accuracy : Failed to conduct reasonable investigation Failed to delete inaccurate information after investigation Section 607 - Accuracy and completeness : Continuing to report demonstrably inaccurate information Reporting duplicate collections for same debt Section 605 - Obsolete information : Illegally re-aging debt beyond 7-year reporting period Relief Requested Immediate deletion of both XXXX XXXX XXXXXXXX and XXXX XXXX XXXX accounts from my Experian credit report Updated credit report reflecting the deletions Investigation into Experian 's procedures that allowed willful FCRA violations to continue Compensation for damages caused by continued reporting of inaccurate information Prevention of future similar violations through improved dispute investigation procedures Supporting Documentation XXXX deletion letter showing both accounts removed Experian dispute results showing " Verified and Updated '' status despite inaccuracy Credit reports showing timeline discrepancies ( XXXXXXXX XXXX  XXXX judgment ) Impact on Consumer The continued reporting of these inaccurate accounts : Damages my credit score through double-counting of same debt Prevents me from obtaining credit on fair terms Causes ongoing financial harm through inaccurate credit reporting Creates stress and frustration from dealing with willful violations This complaint demonstrates clear FCRA violations where Experian continues to report information that another major credit bureau found inaccurate enough to delete entirely. I request immediate action to remedy these violations and prevent future harm.

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