Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
I am filing this complaint against Experian for continued reporting of inaccurate, unverifiable, and re-aged accounts that violate the Fair Credit Reporting Act ( FCRA ). 
I have disputed these items multiple times with Experian over the last year, and Experian has refused to delete or properly verify them. 
Below is a detailed breakdown of each account and the FCRA violations involved : XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Balance : {$990.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Last Reported : XX/XX/XXXX This account has been illegally re-aged to make it appear newer than it is. The original date of delinquency in early XXXX means this account is approaching the XXXX reporting limit under FCRA 605 ( a ) ( 4 ), yet Experian continues to update the Last Reported date to XXXX which is false and misleading. 

Experian also reports the account as collection/charge-off with a consumer dispute comment, yet no supporting documentation was ever provided after multiple disputes. This violates : 607 ( b ) Failure to maintain maximum possible accuracy.

611 ( a ) Failure to conduct a reasonable reinvestigation.

623 ( a ) ( 5 ) Illegal re-aging of the date of delinquency.

Additionally, this same debt is duplicated on TransUnion with conflicting dates, proving Experians verification process is unreliable. 



XXXX. XXXX XXXX XXXX XXXX Bank XXXX : {$960.00} Date of Last Payment : XX/XX/XXXX Last Reported : XX/XX/XXXX The date of last payment ( XXXX ) means this account is well past the XXXX limit for reporting negative data. Experian has no legal basis to keep this account active or updating through XXXX. 
The continued reporting as collection/charge-off with new reporting dates is a textbook re-aging violation under FCRA 623 ( a ) ( 5 ) and 605 ( a ) ( 4 ).

Experian has also failed to verify or provide documentation from the furnisher, despite several disputes, violating 611 ( a ).

By maintaining false data and extending the reporting period, Experian is willfully damaging my creditworthiness. 



XXXX. XXXX XXXX XXXX XXXX : {$680.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX This debt stems from an old XXXXXXXX XXXX account that has already been charged off and sold. Experian is allowing both the original debt ( XXXXXXXX XXXX ) and the collection ( LVNV ) to appear separately resulting in duplicate derogatory entries for the same account. 

This is misleading and inaccurate, violating : 607 ( b ) Information must be accurate and non-duplicative. 
XXXX ( a ) Failure to delete unverifiable or redundant information after reinvestigation. 

Additionally, the last reported date of XXXX conflicts with the XXXX activity date, indicating re-aging. 



XXXX. XXXX Bank/ A & XXXX XXXX : {$0.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Last Reported : XX/XX/XXXX This account has been closed and inactive for years, yet Experian continues to list it as a charge-off and update it as recently as XXXX. 
This directly violates FCRA 623 ( a ) ( 5 ) by artificially re-aging a stale account, and 605 ( a ) ( 4 ) by continuing to report a delinquency older than 7 years. 

The fact that this same debt is also listed under XXXX XXXX proves duplicate reporting of the same underlying obligation, inflating my risk profile and misleading potential creditors. 



XXXX. XXXX XXXX Services ( Original Creditor : XXXX XXXX ) Balance : {$1900.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX This debt has been repeatedly disputed. The comments consumer disputes this account information remain on file, but Experian never provided proof of ownership or validation from the furnisher. 
Experians continued reporting of collection/charge-off without verification violates 611 ( a ) ( 1 ). 
The original XXXX Macys account should have been removed once it was sold, but Experian allows both to coexist, creating duplicated derogatories a 607 ( b ) violation. 



XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX. ) Balance : {$710.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX Experian reports this as collection/charge-off even though no proof of debt validation was ever produced after disputes. 
By keeping the account open and reporting it as recently updated in XXXX, Experian is re-aging the tradeline. 
It also lists subscriber reports dispute resolved consumer disagrees, which violates 611 ( a ) since a reinvestigation that ends with ongoing disagreement requires correction or deletion not continued publication. 



XXXX. Credence Resource Management ( Original Creditor : AT & T ) Balance : {$660.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX This collection shows no date of last payment and lacks validation or contract proof from XXXX XXXX XXXX. 
Experians reporting of this account without documented verification violates 611 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 1 ) ( consumer right to sources ). 
The last reported activity is being updated monthly with no payment history suggesting furnisher abuse of update cycles and Experians failure to monitor accuracy per 607 ( b ). 



XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX Balance : {$720.00} Date Opened : XX/XX/XXXX Last Reported : XX/XX/XXXX This account continues to update as collection/charge-off despite being disputed and never verified. 
The date last active of XX/XX/XXXX versus last reported XX/XX/XXXX shows re-aging and ongoing damage beyond the permissible period under 605 ( a ) ( 4 ).

Experians reinvestigation resulted in no proof from the furnisher, violating 611 ( a ), yet it continues to report this as valid, which is unlawful.

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