Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Earlier this year, I filed a dispute with Experian and the CFPB regarding a XXXX XXXX account that was inaccurately reported on my credit file. After investigation, the account was deleted from my credit report on XX/XX/year>, confirming that the debt was either invalid or unverifiable. 

However, just days lateron XX/XX/XXXX, XXXX XXXX XXXX began reporting this same alleged debt as a newly opened account on my credit report. They listed it with an open status and a new open date, despite the fact that the original account had already been removed through proper dispute channels. 

This re-reporting of a previously deleted account is not only misleadingits a direct violation of my consumer rights under both federal and New Jersey state law. 

Violations of My Rights : 1. Failure to Validate the Debt ( FDCPA 1692g ) : XXXX XXXX XXXX never contacted me to notify me of their intent to collect this debt. 
I was never provided with a validation notice, proof of sale, the sale price, or any documentation showing how they acquired or verified this debt. 
No third-party validation was disclosed, and no system of verification was explained. Bill payment history alone is not sufficient to validate a debt. 

2. Unlawful Credit Reporting ( FCRA 1681s-2 ) : XXXX reported the debt with a new open date, which constitutes unlawful re-aging of the account. 
This practice misrepresents the age and status of the debt, which can unfairly damage my credit profile. 

3. Violation of New Jersey Consumer Protection Laws : As a resident of New Jersey, I am entitled to timely notification before a debt is reported to credit bureaus. 
XXXX failed to notify me prior to reporting, which violates state-mandated procedures for debt collection. 


Violations by Experian : please look into how many time I disputed capital XXXX and how many times i dispute XXXX XXXX XXXX AKA XXXX XXXX XXXX Despite my dispute and the deletion of the original XXXX  XXXX account, Experian continues to allow XXXX XXXX XXXX to report this alleged debt. Each time I dispute it, Experian marks it as verified without providing any explanation of how the debt was verified or what method was used. 

This is a direct violation of : FCRA 1681i ( a ) : Requires consumer reporting agencies to conduct a reasonable investigation when a consumer disputes information.

FCRA 1681e ( b ) : Requires agencies to ensure maximum possible accuracy of the information they report.

Experians failure to explain its verification process, combined with its repeated acceptance of unverifiable data from XXXX, amounts to a systemic failure to protect consumers. 

XXXX XXXX Case Number XXXX My Prior Actions : I filed a dispute with Experian and the CFPB regarding the original Capital XXXX account. 
The account was deleted from my credit report on XX/XX/year>. 
XXXX XXXX XXXX began reporting the same debt just three days later, without any communication or validation. 


Class Action Lawsuit Against Experian : I also want to highlight the recent class action lawsuit, XXXX XXXX Experian Information Solutions XXXX XXXX XXXX No. XXXX, filed in the XXXX XXXX XXXX for XXXX XXXX XXXX of Virginia . This case addressed Experians failure to properly investigate consumer disputes and its use of outdated or inaccurate data. 

Experian agreed to a {$22.00} XXXX settlement to resolve claims that it harmed consumers ability to obtain credit by publishing inaccurate and obsolete information A. The CFPB also sued Experian in XX/XX/year> for conducting sham investigations into credit report errors B. 

These cases reinforce the pattern of misconduct I am experiencing firsthand. 


What Im Requesting : Immediate removal of the XXXX XXXX XXXX account from all three major credit bureaus ( Experian, XXXX, XXXX ), as well as any secondary reporting agencies. 
A thorough investigation into XXXXXXXX XXXX XXXX  collection practices, including : The sale agreement between XXXX  XXXX and XXXX XXXX XXXX. 
The actual purchase price of the debt. 
The systems and third-party agencies used to validate this debt. 
The full chain of custody and documentation proving ownership and transfer. 

Compensation for each month this account was unlawfully reported on my credit file, as my consumer rights were violated continuously. 
A formal explanation of how XXXX XXXX XXXX was permitted to report a previously deleted and disputed account as a new debt. 


Final Notes : I have never received a phone call, letter, or email from XXXX XXXX XXXX regarding this debt. Their failure to notify me, validate the debt, and their deceptive reporting practices have caused harm to my credit profile and violated my rights as a consumer. 

I am asking the CFPB to take immediate action to investigate this matter and ensure that XXXX XXXX XXXX is held accountable for its unlawful conduct and have the allege account and debt deleted and removed from all credit bureaus, along from all secondary reporting agencies and third-party companies.

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