Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian for willfully and negligently reporting inaccurate, misleading, and unverifiable information on my credit report. Despite multiple attempts to dispute these accounts directly with Experian under my rights guaranteed by the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681, the inaccurate data remains unresolved. This has caused me substantial financial and emotional harm. 
I am demanding an immediate investigation and deletion or correction of the following erroneous accounts reported by Experian : XXXX. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Credit : {$5400.00} Status : Charge Off Issue : This account has been charged off and inaccurately reported for an extended period. I have requested validation, but no original signed contract or complete payment history has been provided. 
Experian has failed to verify the accuracy as required by 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) ( Reinvestigations of Disputed Information ).

The reporting does not reflect my current status and is misleading to current and future creditors.

Legal Violation : Failure to conduct a reasonable reinvestig
ation ( 15 U.S.C. 1681i ) Continued reporting of inaccurate information after dispute ( 15 U.S.C. 1681s-2 ( b ) ) Furnishing outdated negative information ( 15 U.S.C. 1681c ) 2. XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Credit : {$6800.00} Status : Charge Off Issue : This account was closed and charged off, but it is still being reported inaccurately with inconsistent balances and statuses. 
I requested complete documentation under FCRA, but Experian has not provided any legitimate verification from the original creditor. 
The information is misleading and damaging to my creditworthiness. 
Legal Violation : Failure to maintain accurate information ( 15 U.S.C. 1681e ( b ) ) Negligent or willful noncompliance with FCRA standards ( 15 U.S.C. 1681n, 1681o ) Refusal to correct data after multiple dispute attempts ( 15 U.S.C. 1681i ) 3. XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX 
Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$710.00} Status : Collection Issue : This is a collection account being reported with a XXXX open date, which is deceptive and makes it appear more recent than it is. This practice is often referred to as " re-aging '' a debt, which is illegal. 
I never received validation under 15 U.S.C. 1692g ( b ) ( FDCPA request for debt validation ), and no original documents were supplied to confirm the legitimacy of this debt. 
This collection is causing undue damage to my credit profile and appears to be a violation of both the FCRA and FDCPA. 
Legal Violation : Unlawful re-aging of debt ( 15 U.S.C. 1681c ) Failure to validate debt ( 15 U.S.C. 1692g ( b ) FDCPA ) Failure to conduct reasonable reinvestigation ( 15 U.S.C. 1681i ) Reporting without proper verification ( 15 U.S.C. 1681s-2 ) Summary of My Complaint : Despite disputing these accounts multiple times, Experian has failed to : Conduct meaningful reinvestigations as mandated under FCRA Provide me with verifiable proof of each disputed debt Cease reporting unverifiable, misleading, and damaging information Update or delete accounts that are clearly inaccurate or outdated This noncompliance has negatively affected my ability to obtain housing, employment, and financial products. I have suffered emotional distress and credit denials due to Experians unlawful practices. 
I am Requesting the Following Relief : 1. Immediate deletion or accurate correction of the listed accounts 2. Full investigation and accountability under the FCRA and FDCPA 3. A formal response outlining the steps taken to remedy the issue 4. Potential civil damages under 15 U.S.C. 1681n and 1681o I am also reserving my right to file complaints with the Federal Trade Commission ( FTC ) and pursue legal action, if necessary, under the consumer protection statutes. 
Thank you for your attention and for advocating for consumers like myself who are victims of reckless credit reporting practices.

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