Consumer complaint received 2025-09-09 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: OK

Complaint narrative:
XXXX XXXX i

s furnishing a tradeline on my Experian credit report that is inaccurate, incomplete, and re-aged in violation of the Fair Credit Reporting Act ( FCRA ). The account shows as Paid in settlement {$300.00} written off. I never settled this account. If another party did so without my consent, that makes the reporting factually false. The account does not list a Date of First Delinquency ( DOFD ). The FCRA requires furnishers to supply the DOFD within 90 days on charged-off accounts ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ) ). The tradeline is scheduled to remain on file until XX/XX/XXXX, even though delinquency occurred in XXXX. Under FCRA 605 ( a ), adverse accounts can not remain longer than 7 years from DOFD. This is illegal re-aging. 
XXXX XXXX has reported conflicting and inaccurate status fields ( showing a settlement yet still reflecting balance/write-off ). This violates the duty to furnish accurate information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ).

I have disputed this account multiple times with Experian. Despite this, Experian and XXXX XXXX failed to conduct a reasonable investigation or provide validation. That violates 1681s-2 ( b ) and 1681i ( a ).

The account has not been marked as disputed as required under 1681s-2 ( a ) ( 3 ).

Experian has failed its duty under 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy and under 1681i to reinvestigate my disputes. 

This account should not be reported at all if XXXX XXXX can not prove I was personally liable, never authorized the settlement, and never paid to close it.

What I want : Immediate deletion of this tradeline from all three nationwide CRAs. 
Production of documentation from XXXX XXXX proving liability, DOFD, and proof of settlement. If they can not provide original contracts and billing records, this item must be deleted. 
CFPB to review these violations for enforcement and to determine if XXXX XXXX and Experian engaged in unfair or deceptive acts under the Dodd-Frank Act.

Legal violations cited : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate information 15 U.S.C. 1681s-2 ( a ) ( 2 ) failure to update/correct inaccurate info 15 U.S.C. 1681s-2 ( a ) ( 3 ) failure to mark account as disputed 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ) failure to report DOFD 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( E ) failure to reasonably investigate disputes 15 U.S.C. 1681c ( a ) ( 4 ), ( a ) ( 5 ) illegal re-aging / obsolete reporting 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) CRA failure to reinvestigate disputes 15 U.S.C. 1681e ( b ) CRA failure to maintain accuracy procedures 15 U.S.C. 1681c-2 obligation to block information resulting from identity theft if the settlement was unauthorized. 

Final statement : I am demanding deletion of this tradeline. If XXXX XXXX and Experian continue furnishing this re-aged, inaccurate, and unauthorized information, I will pursue legal counsel and file civil action under the FCRA for statutory and punitive damages.

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