Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint against Experian for failing to conduct a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ) and XXXX  law after I disputed an inaccurate collection account being reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX  ). 

Despite my detailed dispute, Experian improperly verified the account without addressing the clear inaccuracies, thereby violating FCRA 1681e ( b ), 1681i ( a ) and XXXX  Finance Code 392.202, 392.304, and 392.101. 

Errors in Reporting Misleading past due reporting on a collection account Experians report shows : Collection account. {$2500.00} past due as of XX/XX/year>. 

By definition, collection accounts do not have a scheduled monthly payment due. Reporting a past due balance misrepresents the character and status of the debt, violating FCRA 1681e ( b ) ( accuracy ) and XXXX. Fin. Code 392.304 ( a ) ( 8 ) ( false representation of debt status ). 

Failure to properly investigate Date of First Delinquency ( DOFD ) The account is listed as opened XX/XX/year>, but payment history shows derogatories in XXXX and XX/XX/year>. This raises concerns of re-aging the debt. 

Experian failed to provide or verify the XXXX with the original creditor, violating FCRA 1681s-2 ( a ) ( 5 ) and 1681c ( a ) ( 4 ), which prohibit improper re-aging. 

Incomplete/incorrect furnisher identification The tradeline identifies the furnisher only as XXXX XXXX XXXX with a city and state, but no full legal entity name or complete mailing address. 

This omission violates FCRA 1681i ( a ) ( duty to reinvestigate and report complete/accurate information ) and XXXX. XXXX. & XXXX. Code 20.06.

Texas surety bond requirement ignored Under XXXX. Fin. Code 392.101, third-party debt collectors must maintain a surety bond with the Texas Secretary of State to lawfully engage in collections or reporting. 

Experian did not verify or provide evidence that XXXX XXXX XXXX maintains such a bond before continuing to report the account. 

How Experian Violated My Rights Failure to conduct a reasonable reinvestigation ( FCRA 1681i ( a ) ) : Experian verified the account despite specific evidence of inaccuracies. 

Failure to ensure maximum possible accuracy ( FCRA 1681e ( b ) ) : Experian reported misleading and incomplete information. 

Failure to provide method of verification ( FCRA 1681i ( a ) ( 6 ) ) : I was not given sufficient details regarding how Experian verified the account. 

Violation of Texas reinvestigation requirements ( XXXX. XXXX. & XXXX. Code 20.06 ; XXXX. Fin. Code 392.202 ) : Experian did not provide meaningful reinvestigation results. 

XXXX of unlawful collection activity ( XXXX. Fin. Code 392.101 ) : Experian reported a collection agency that may not be legally bonded in Texas.

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