Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX  XXXX Subject : Formal Complaint Against Experian for Violations of FCRA 605B, 623 ( a ) ( 5 ), 605 ( a ), and Improper Re-Aging of Accounts Dear CFPB Representative, I submit this formal complaint against Experian for repeated, willful violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to Section 605B ( 15 U.S.C. 1681c-2 ), Section 605 ( a ) ( 15 U.S.C. 1681c ( a ) ), and Section 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ).

Background on Identity Theft Disputes I have submitted multiple disputes to Experian ( Dispute Numbers : XXXX XXXX XXXX XXXX XXXX and provided, by certified mail, the required documents under FCRA 605B, including : Valid government-issued ID Utility bill as proof of address FTC Identity Theft Report Experian continues to ignore its legal obligation to block and delete the fraudulent accounts I have identified, improperly demanding a police report ( which is not required under the statute ). This is a clear violation of FCRA 605B, which mandates Experian block the information within 4 business days.

Formal Demand for Deletion Under FCRA 605B I formally demand that Experian immediately block and delete the following fraudulent accounts, in compliance with the law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violations : Improper Re-Aging and Reporting Upon reviewing my Experian credit report, I discovered : Closed accounts are being reported as new charge-offs each month, artificially extending negative reporting. 
Past-due balances on closed accounts are reported as current, despite no recent activity. 
Balances and delinquency dates are inconsistent, making the report inaccurate and misleading. 

These practices violate : FCRA 605 ( a ) ( 15 U.S.C. 1681c ( a ) ) prohibits reporting of negative information more than 7 years after the date of first delinquency ( DOFD ).

FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ) requires furnishers to accurately report the original delinquency date.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requires Experian to maintain maximum possible accuracy in its reporting.

The Federal Trade Commission and CFPB supervisory reports have repeatedly confirmed that re-aging closed or charged-off accounts to extend the reporting period is illegal. This conduct exposes Experian to liability under FCRA 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ), making them subject to actual damages, statutory damages, punitive damages, and attorneys fees.

Requested Actions I respectfully request that the CFPB : Investigate Experians ongoing FCRA violations.

Ensure Experian immediately blocks and deletes all identified fraudulent accounts, as required by 605B.

Require Experian to delete re-aged and inaccurate reporting on closed or charged-off accounts.

Consider enforcement or legal action against Experian for its pattern of noncompliance and consumer harm.

I am attaching copies of my disputes, certified mail receipts, identity theft reports, and screenshots showing the improper re-aging and reporting practices for your review.

Thank you for your prompt attention to this matter. Please confirm receipt of this complaint and advise me on next steps. 

Sincerely, 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