Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Furnisher : World Finance Corporat Account Number : XXXX Status : Paid/Closed Still reporting XXXX negative months What Happened This World Finance Corporat account is paid and closed, with a {$0.00} balance, yet the credit bureaus continue to report XXXX months of negative history that is no longer accurate, verifiable, or legally reportable. Continuing to publish this obsolete information is not only damaging but a violation of federal law and my consumer rights. 

Violations FCRA 1681e ( b ) : Bureaus must maintain maximum possible accuracy. Reporting a {$0.00} balance account as potentially negative for 23 months is misleading, inaccurate, and deceptive. 

FCRA 1681c ( a ) : Outdated negative information can not remain. Paid/closed accounts that no longer reflect a current obligation are obsolete adverse data. 

FCRA 1681i ( a ) : Bureaus must conduct a reasonable reinvestigation upon dispute. Failure to delete unverifiable and obsolete negative months is noncompliance.

FCRA 605B ( 15 USC 1681c-2 ) : This continued negative reporting constitutes identity theft by unauthorized reportingI did not authorize publication of obsolete derogatory data. With my Identity Theft Report, the bureaus must block this account within XXXX business days. 

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers can not report inaccurate or misleading information. World Finance is furnishing obsolete derogatory remarks despite the balance being {$0.00}.

FCRA 623 ( a ) ( 2 ) : Furnishers must correct and update information to ensure accuracy. Reporting a closed/paid account as negative violates this duty.

FCRA 1681n & 1681o : The bureaus and World Finance are subject to statutory damages ( {$1000.00} per violation ), actual damages, and attorneys fees for willful and negligent noncompliance.

FDCPA 1692e : It is a false, misleading, and deceptive representation to suggest I still owe an obligation when the account is paid in full.

UCC 1-308 ( Reservation of Rights ) : As a consumer, I do not waive any rights under the Uniform Commercial Code. Any attempt to continue reporting false/obsolete derogatory data without my consent is an unlawful commercial practice.

UCC 3-501 ( b ) ( 2 ) : A presentment of any claim must be backed by proof. If World Finance or the bureaus can not produce a signed, valid, enforceable contract showing my consent to continued derogatory reporting, they are acting in bad faith.

Relief Requested Immediate deletion of the World Finance Corporat account from all consumer credit reports ( Experian, Equifax, TransUnion ).

Block reinsertion under FCRA 1681i ( a ) ( 5 ) ( B ) unless certified new evidence is produced.

If not deleted, require World Finance to produce : Original signed contract authorizing reporting of 23 months of negative data post-payment.

Proof of permissible purpose under FCRA 1681b.

Full accounting showing why derogatory status continues after balance was {$0.00}.

Written confirmation that this account has been deleted and can not be reinserted absent certified proof.

Notice of Escalation Failure to delete this account immediately will result in : Complaints to the FTC, State Attorney General, and Office of the Comptroller of the Currency.

Legal action for damages under FCRA 1681n, 1681o and FDCPA 1692k.

Invocation of XXXX remedies for unauthorized commercial use of my personal data.

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