Consumer complaint received 2025-07-10 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: TX

Complaint narrative:
This letter addresses a serious credit reporting violation involving an account reported by XXXX XXXX XXXX and managed by XXXX XXXX XXXX. On XX/XX/XXXX, CFPB received a written response from XXXX confirming that all the accounts originally opened with XXXX XXXX XXXX XXXX was : - Charged off ( not the XXXX ) on XX/XX/XXXX, and - Acquired by XXXX on XX/XX/XXXX Their letter explicitly states : " This account charged off on XX/XX/XXXX... XXXX acquired this account on XX/XX/XXXX. No payments have been received on this accounts since it was acquired by XXXX. '' Despite this, Experian is reporting the " date opened '' as XX/XX/XXXX, and the status as recently updated in XX/XX/XXXX, making this debt appear more recent than it truly is. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c ( a ) ( 4 ), which prohibits re-aging of accounts for the purpose of extending their time on a consumer 's credit report. 
XXXX 's own letter confirms that the re-aging occurred- they are using the date of purchase instead of the original delinquency date ( DOFD ) for all accounts listed with them as a debt collector. This not only misrepresents the age of the debts, but also constitutes deceptive and unlawful credit reporting. 
Legal Action & Complaints Initiated Due to this violation and their written admission, I have taken the following steps in addition to this direct request : 1. Filed a formal complaint with the Federal Trade Commission ( FTC ) for deceptive reporting and FCRA violation.

2. Notified my State Attorney General 's Consumer Protection Division to request oversight and enforcement action.

3. Filed a complaint with the XXXX XXXX XXXX ( XXXX ) to document this behavior publicly and demand a timely resolution. 
4. Reported this violation to my state 's Department of Banking and Financial Regulation, as XXXX is acting as a debt collector or financial entity in violation of both federal and state standards. 
It is also important to note that the charge-off date provided by XXXX XXXX, XXXX not represent the legally recognized date of first delinquency under the Fair Credit Reporting Act ( FCRA ). The statute clearly requires credit reporting and collection timelines to be measured from the actual date the account first became delinquent and was never brought current, which typically occurs 120 to 180 days before the charge-off date. Therefore, the correct date of first delinquency likely falls in XXXX or earlier, making both the credit reporting and the lawsuit filing based on a XXXX date inaccurate and unlawful. 
Additionally, this debt is currently the subject of a lawsuit filed in the state of Texas. In that case, XXXX XXXX is relying on the date of XXXX XXXX, XXXX the basis for their legal action, rather than the actual date of first delinquency-prior to XX/XX/XXXX. This is a misrepresentation of the debt 's age and origin, and constitutes a deceptive debt collection practice under both the Texas Debt Collection Act ( TDCA, Tex. Fin. Code 392 ) and the Federal Fair Debt Collection Practices Act ( FDCPA ). Under Texas law, the statute of limitations for collecting most consumer debts is four years from the date of default ( Tex. Civ. Prac. & Rem. Code 16.004 ). 
By falsely extending the timeline using the purchase date, XXXX  is improperly seeking judicial enforcement on a time-barred debt. This conduct is not only misleading in the credit reporting context, but also constitutes abuse of the legal system. Their written admission and lawsuit filing based on a re-aged date will be included in all formal complaints and future legal responses. 
Resolution Requested I am demanding that : - The " date opened '' be corrected to reflect the original date of delinquency ( XXXX ) with all XXXX XXXX accounts ; or - If accurate correction is not possible, the accounts be removed entirely from my credit report. 
Failure to resolve this matter will result in formal legal action, including pursuit of monetary relief for actual, statutory, and punitive damages under 15 U.S.C. 1681n and 1681o, which allow for compensation in cases of willful or negligent noncompliance with the FCRA. 
Please provide a written response confirming the action taken to resolve this unlawful reporting.

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