Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX Dear Experian Dispute Department, I am writing to formally dispute the inaccurate and inconsistent reporting of a XXXX XXXX account currently appearing on my credit file. After a thorough review of my Experian report, I have identified multiple serious discrepancies that require immediate correction or removal under the Fair Credit Reporting Act ( FCRA ). 


Here are the key issues : 1. Conflicting and Inaccurate Payment Timeline Experian shows that the account entered collections in XX/XX/XXXX, with a payment history chart showing collections in XXXX, XXXX, and XXXX. 

It lists the account as having three potentially negative months as if this were a new account, even though the account is reported as opened on XX/XX/XXXX. 

This is misleading and inaccurate. The account was not opened in XXXX, and the reporting history suggests a re-aged debt, which may be a violation of FCRA 623 ( a ) ( 5 ) and 15 U.S.C. 1681c regarding accurate reporting of the date of first delinquency. 



2. Duplicate & Conflicting Balances The report shows both an original balance and a current balance, which are identical. If this is a collection account, the original creditor should not still be reporting a balance under their name this may result in double jeopardy of the debt and is potentially deceptive. 



3. Status Conflicts Across Credit Bureaus Experian reports the status as a Collection Account with a past due balance as of XX/XX/XXXX. 

XXXX  shows the account as closed on XX/XX/XXXX, with no payment history summary. 

XXXX  shows it closed on XX/XX/XXXX, also without a payment history chart. 

Statuses differ : Experian reports it as a collection, while the others suggest a charged-off account. 

This reflects a clear violation of FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), which requires credit reporting agencies to maintain maximum possible accuracy of consumer data.

4. Misleading Updated Notices Without Actual Changes I recently received a notice from Experian stating that this account had been updated following a dispute.

Upon review, no updates or corrections were made ; all inaccurate information remains the same. 

This suggests Experian may not be conducting a proper reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that the CRA must conduct a reasonable investigation of disputed items and delete or correct information that can not be verified.

My Request : I am demanding that Experian : 1. Conduct a full reinvestigation into the reporting of this account. I keep getting ( UPDATED ) status but nothing is updated 2. Verify the accuracy of every piece of data with the original furnisher and provide documentation supporting such verification.

3. If the data can not be verified or continues to show inconsistencies, delete the account entirely from my credit report as required under FCRA 1681i ( a ) ( 5 ) ( A ).

4. Provide me with a written response and updated copy of my credit report upon completion of your investigation.

I am fully aware of my rights under the FCRA and will not hesitate to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and other authorities if this issue is not resolved fairly and lawfully. Given the CFPBs recent actions against Experian and XXXX  for similar behavior, I am prepared to pursue all available legal remedies if necessary. 



Sincerely, XXXX XXXX

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