Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Formal Dispute Regarding XXXX XXXX Account Request for Immediate Deletion I am writing to formally dispute the reporting of an account associated with XXXX XXXX on my credit report. Based on the detailed account history provided below, it is clear that the reporting of this debt violates the Fair Credit Reporting Act ( FCRA ) and other applicable laws. I request the immediate deletion of this account from my credit report for the following reasons : Account History Overview Original Creditor ( XXXX XXXX : Charged off with a date of last activity on XX/XX/XXXX and date opened on XX/XX/XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) : Deleted by Experian on XX/XX/XXXX and XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX ( XXXX ) : Deleted by Experian on XX/XX/XXXX and XXXX on XX/XX/XXXX. 
Current Collector ( XXXX XXXX ) : Active and disputed, with a date of last activity as XX/XX/XXXX and a reopened date of XX/XX/XXXX. 
1. Violation of FCRAs 7-Year Reporting Limit Under FCRA 605 ( a ) ( 15 U.S.C. 1681c ), adverse accounts such as charge-offs and collections must not appear on a credit report more than seven years from the date of first delinquency ( DOFD ). The DOFD for the XXXX account is XX/XX/XXXX, making this debt time-barred for reporting as of XX/XX/XXXX. 

XXXX XXXX has improperly re-aged the debt, claiming a new last activity date of XX/XX/XXXX to extend the reporting period unlawfully. This constitutes a clear violation of FCRA guidelines and requires immediate removal of the account from my credit file. 

2. Previous Deletions by XXXX XXXX XXXX and XXXX This debt has already been investigated and deleted by two prior collection agencies XXXX XXXX XXXX XXXX XXXX XXXX  ). The deletion of these accounts indicates that they could not verify the validity of the debt or their ownership. XXXX XXXX reappearance of this account contradicts prior investigations and violates FCRA 1681s-2 ( b ), which requires accurate and verifiable reporting.

3. Misrepresentation of Debt and Re-aging Violations ( FDCPA 807 ) The reporting by XXXX XXXX constitutes a deceptive practice under FDCPA 807, which prohibits misrepresentation of the character or legal status of a debt. Re-aging the debt and reporting it as active in XX/XX/XXXX is a fraudulent attempt to revive a time-barred debt and mislead both creditors and consumers. 

4. Failure to Respond to Debt Validation Request In XX/XX/XXXX, I submitted a formal debt validation request to XXXX XXXX under FDCPA 809, and they failed to provide any documentation to substantiate the debt. This failure makes their reporting legally invalid and requires immediate removal of the account. 

XXXX. Inaccurate Reporting of Debt Amount While the original debt owed to XXXX was {$2000.00}, XXXX XXXX is reporting inconsistencies in dates and amounts that contradict prior reporting by XXXX XXXX XXXX XXXX XXXX. Under FCRA 1681e ( b ), credit reporting agencies are required to ensure maximum accuracy, which has not been achieved in this case.

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