Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this formal complaint regarding the continued inaccurate, contradictory, and misleading reporting of the following account on my Experian credit file, despite prior disputes and verification responses that clearly fail to comply with federal law. 

Experians failure to ensure accuracy after notification violates the Fair Credit Reporting Act ( FCRA ) and demonstrates willful disregard for my consumer rights. The incorrect reporting of this account continues to damage my creditworthiness, reputation, and overall financial well-being. 

DISPUTED ACCOUNT INFORMATION Creditor / Furnisher : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$29000.00} Date Opened : XX/XX/XXXX Reported Status ( Experian ) : Paid / Closed {$0.00} Balance Current Inaccuracy Identified : Experian reports this account as Closed/Paid/Current while simultaneously reflecting a 30 Days Late ( XX/XX/XXXX ) notation. 
This is legally and factually impossible. An account that is paid and closed can not continue to be reported as delinquent. This constitutes false, misleading, and unlawful reporting in direct violation of 15 U.S.C. 1681s-2 ( a ), which prohibits furnishers and credit bureaus from reporting data they knowor should knowto be inaccurate.

LEGAL VIOLATIONS AND BREACHES OF DUTY FCRA 1681i : Requires Experian to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Failure to do so after receiving notice constitutes willful noncompliance. 

FCRA 1681e ( b ) : Requires Experian to maintain and follow reasonable procedures to assure the maximum possible accuracy of the information in consumer reports.

FCRA 1681b ( 2 ) : No permissible purpose exists for Experian to continue publishing contradictory and false data that misrepresents my payment history.

FCRA 1681c-2 : Requires immediate blocking and removal of unverifiable or identity-theft-related information within four business days of receipt.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) : Protects consumers financial privacy, which Experian is violating by continuing to circulate incorrect and conflicting information.

18 U.S.C. 1028A : Addresses the criminal misuse of consumer data and identity information.

Experians continued reporting after my prior dispute constitutes negligence and reckless disregard of federal obligations. The agencys conduct demonstrates an ongoing failure to maintain compliance with the FCRA, and may warrant federal enforcement and civil penalties. 

DEMAND FOR IMMEDIATE ACTION I hereby demand that Experian : Reinvestigate this account in full compliance with FCRA 611 ( 15 U.S.C. 1681i ) within the required statutory timeframe.

Delete or permanently correct the account to accurately reflect its true status. 

Provide written documentation detailing : The procedures used to verify this account, The name, address, and contact details of the furnisher who verified the data, and Copies of all supporting documentation Experian relied upon in its verification process. 

Provide an updated copy of my corrected Experian credit report reflecting deletion or correction of this account. 

NOTICE OF LIABILITY AND ENFORCEMENT If Experian fails to delete or correct this account within the time allowed by law, I will file formal complaints with the Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state. 
I will also seek civil remedies under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance, including statutory damages, costs, and attorneys fees. 

Experians inaction will be interpreted as intentional noncompliance and reckless disregard of federal law, further exposing the company to liability. This letter constitutes final notice before formal escalation.

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