Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a formal complaint to the CFPB and a public service notice. It concerns fraudulent credit reporting and unlawful coordination between XXXX XXXX XXXX, TransUnion, and Experian. This complaint is not a dispute. Their response will be submitted as Exhibit B in a federal lawsuit to be filed in the U.S. District Court, XXXX XXXX XXXX California, XXXX XXXX. 

Summary of Misconduct : XXXX XXXX XXXX is reporting a {$630.00} collection account allegedly tied to XXXX XXXXXXXX XXXX XXXXXXXX. Experian shows the last payment as XX/XX/XXXX, yet the account is still being reported as active in XXXX, well beyond its legal reporting period. TransUnion falsely classifies the account as open, while XXXX  has removed it entirely proving it is unverifiable. 

This is a clear pattern of re-aging, misrepresentation, and digital transmission of knowingly false information coordinated across state lines, damaging to my creditworthiness, and willfully noncompliant with multiple federal laws. 

Legal Violations and Evidence : 1. Re-aging of debt ( FCRA 623 ( a ) ( 5 ) ) Debt last paid in XXXX  is being updated in XXXX  to look recent. This is illegal and misleading. 

2. False open status ( FCRA 607 ( b ) ) TransUnion reports a collection account as " open, '' misclassifying it and inflating my total open debt. 

3. Conflicting across bureaus ( FCRA 611 ( a ) ( 1 ) ( A ) ) XXXX  deleted it ; TransUnion and Experian continue reporting it, showing it's unverifiable or selectively maintained. 

4. Time-barred debt ( FDCPA 807 ) California 's statute of limitations for written contracts is 4 years. This debt is outside that window and should not be presented as active.

5. Fabricated timeline Accounts open date is listed as XX/XX/XXXX, yet the last payment was XX/XX/XXXX. Thats not possible and shows date manipulation. 

XXXX. Missing payment history ( FCRA 609 ( a ) ( 1 ) ) No supporting records or breakdown of the balance have ever been provided by TransUnion. 

XXXX. Dispute ignored ( FCRA 623 ( b ) ( 1 ) ( C ) ) I previously disputed this account. The data furnishers updated the account again without verifying any facts. 

XXXX. Defamation and injury This reporting has caused real-world harm : Ive been denied housing and funding due to the false open balance. 

XXXX. Wire fraud and racketeering False data has been digitally transferred across state lines to damage my profile and create profit. These coordinated updates constitute wire fraud ( 18 U.S. Code 1343 ) and establish grounds for RICO action. 

Public Notice and CFPB Request : This complaint also serves to warn others who may see " open '' collections or re-aged accounts on their credit files. If so, they may be entitled to damages. If disputes fail, they should take legal action. Document everything.

I request a full investigation and written CFPB response. If no resolution is reached and this account remains, I will pursue punitive damages for willful misconduct, financial defamation, and reckless suppression of credit access. 

Thank you.

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