Consumer complaint received 2025-12-01 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: WV

Complaint narrative:
FORMAL CFPB COMPLAINT FCRA VIOLATIONS BY EXPERIAN & XXXX ( XXXX ) Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : XXXX XXXX XXXXXXXX To : Consumer Financial Protection Bureau ( CFPB ) Dear CFPB Representative, I am submitting a formal complaint against Experian Information Services, LLC and XXXX/XXXX  for reporting multiple inaccurate, incomplete, conflicting, and unverifiable items relating to my auto loan account. These errors violate several provisions of the Fair Credit Reporting Act ( FCRA ), and I am requesting a full investigation and immediate deletion of the account from my Experian credit file.

Disputed Account Information Creditor : XXXX / XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Experian Report Date : XX/XX/XXXX FCRA Violations and Specific Inaccuracies 1. Charge-Off Amount Exceeds Original Balance Experian reports an original balance of {$15000.00}, but a charge-off amount of {$15000.00}, which is impossible. Your agencys rules require an accurate representation of actual debt owed.

Violations : FCRA 607 ( b ) failure to maintain maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) furnishing information known to be inaccurate 2. Improper Re-Aging of Delinquency The account lists charge-off activity through XXXX, yet the status was last updated in XXXX, and payment histories from XXXX are still being modified or reinterpreted.

This indicates re-aging, which is illegal.

Violations : FCRA 623 ( a ) ( 5 ) furnishers must accurately report the date of first delinquency FCRA 605 ( a ) prevents extending derogatory reporting periods 3. Payment History Inconsistencies The payment history contains contradictory delinquency progressions, including : 3090 day late markers across XXXX, XXXX, XXXX But also a charge-off period extending through XXXX Missing scheduled payments No consistent or logical timeline This demonstrates unverified and inaccurate reporting.

Violations : FCRA 611 ( a ) unverifiable information must be removed FCRA 607 ( b ) inaccurate and inconsistent data 4. Highest Balance Missing Experian lists the highest balance as blank or, despite this being a required field for installment loans.

Violation : FCRA 611 ( a ) incomplete information must be deleted 5. Unverified Ongoing Reporting Despite Charge-Off The account continues updating a {$14000.00} balance as of XX/XX/XXXX, despite : No recent payments Charge-off status No activity for years This constitutes unverifiable automated updating.

Violations : FCRA 623 ( a ) ( 1 ) furnishers can not report inaccurate or unverifiable information FCRA 607 ( b ) CRAs must ensure maximum possible accuracy I have submitted multiple requests for review of this account, but it keeps getting returned as " verified '' even though multiple inconsistencies and inaccuracies continue to report.

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