Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
CFPB REOPENED COMPLAINT FORMAL REBUTTAL Creditor / Collector : XXXX, XXXX & XXXX XXXX Account : XXXX Type : Collection from Unlawful Detainer / Judgment Original CFPB Complaint ID : XXXX Issue Being Reopened Inaccurate, misleading, and legally improper credit reporting of a civil money judgment and collection account in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). 

Summary of XXXX XXXX XXXX XXXX XXXX XXXX XXXX claims their reporting is accurate based on a California unlawful detainer judgment entered XX/XX/year>. However, their response confirms multiple violations of the FCRA regarding : Improper use of Terms : XXXX Improper classification of a civil judgment as a consumer collection account Improper aging and delinquency reporting Ongoing balance updates based on unverified interest calculations Failure to prove consumer contract or agreed payment terms Failure to meet FCRA 1681e ( b ) maximum accuracy standards Failure to meet FCRA 1681s-2 ( b ) verification duties after dispute The company response does not provide any consumer contract, payment agreement, or lawful authority permitting reporting this civil judgment as a revolving or installment collection tradeline. 

Formal Violations XXXX. No Consumer Credit Agreement Exists This account is NOT based on a consumer credit transaction. It is based on a civil unlawful detainer judgment, not a loan, lease, credit card, or installment contract. 
Yet the company is improperly reporting : Terms Duration : XXXX XXXX XXXX status This falsely converts a civil court judgment into a consumer credit obligation, which is materially misleading and violates FCRA 1681e ( b ). 

XXXX. Terms : XXXX Is Misleading and Improper The company admits : The XXXX reference means that the full balance is currently owed and due. 

This format misrepresents the legal nature of the obligation, making it appear as a consumer installment or revolving account. A civil judgment does not have contractual terms. This is false credit characterization. 

XXXX. Past Due Status Is Legally False A judgment : Does not become past due Has no consumer billing cycle Has no contractual payment schedule Labeling it as past due is factually and legally inaccurate and creates a deceptive credit risk profile. 

XXXX. Improper Date of First Delinquency ( DOFD ) Reporting The company states : DOFD = date judgment was entered ( XX/XX/year> ) This is legally incorrect. 
Under FCRA 1681c ( c ), XXXX must reflect the original delinquency on the underlying consumer account, not the date of judgment. Reporting a judgment date as XXXX illegally re-ages the account. 

XXXX. Balance Updates Based on Unverified Interest The company admits they are : Continuously updating the balance Adding interest calculations Without proving : XXXX interest statement Ledger accounting Verification through the bureaus after my disputes This violates FCRA 1681s-2 ( b ) which requires documented verification, not internal accounting assumptions. 

XXXX. Failure to Provide Proper Verification After Dispute Despite multiple disputes, XXXX, XXXX & XXXX XXXX has : Not provided a certified court judgment copy Not provided a court-certified balance ledger Not provided authority allowing reporting as a consumer collection tradeline Not provided any consumer contract They are continuing to report unverified data, which is unlawful. 

Material Consumer Harm This improper reporting : Artificially inflates my credit risk Misrepresents a civil judgment as a consumer credit account Blocks access to housing and financing Creates permanent derogatory damage beyond lawful reporting scope

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