Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Complaint Against EXPERIAN Reporting of Fraudulent and Inaccurate Information ( XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Dear CFPB Representative, I am writing to file a formal complaint against Experian Information Solutions , Inc. for willful, repeated, and malicious violations of the Fair Credit Reporting Act ( FCRA ), resulting in significant and ongoing harm to my credit profile and financial well-being.

Summary of Issues : Experian has reinserted two fraudulent accounts into my credit file after they had previously been removed or disputed, specifically accounts from : 1. XXXXXXXX XXXX XXXXXXXX {$3400.00} XXXX. XXXX XXXX XXXX XXXX $ XXXX {$1100.00} These accounts are falsely reported and materially misrepresented as follows : XXXX. XXXXXXXX XXXX XXXXXXXX ( Reported on XX/XX/XXXX ) Experian is reporting the XXXXXXXX XXXX account as over the credit limit with a balance of {$3400.00} and newly reported activity as of XX/XX/XXXX. 
This account has been in charge-off status for over three years and should not be showing new activity.

There is no new delinquency, and the report is materially misleading and inaccurate.

This reporting falsely suggests I am still utilizing this account, which is factually incorrect and damaging to my credit score and reputation. 

XXXX. XXXX XXXX XXXX XXXX ( Reported Open and Active ) This account is falsely listed as open with the account status incorrectly showing activity despite the fact that the account has : o Been in charge-off status since at least XXXX. 
o No recent payments or charges, and it shows {$1100.00} written off as of XX/XX/XXXX. 
XXXX report shows 44 consecutive months of charge-off, yet still categorizes this account as open, a contradiction.

Furthermore, Experians summary indicates two conflicting statuses for this account : o One entry lists it as " potentially negative '' with no balance or updated date.

o Another entry shows it as actively open, which is demonstrably false and misleading.

Violations Committed : Experian has committed several likely violations of the FCRA, including but not limited to : 1681i ( a ) ( 5 ) ( B ) Re-inserting previously disputed and removed information without proper notice or certification.

1681e ( b ) Failing to maintain maximum possible accuracy in consumer reports.

1681s-2 ( b ) Failing to reasonably investigate and correct disputed and inaccurate information.

Malicious conduct Willful pattern of behavior in re-reporting derogatory information for accounts that have had no legitimate new activity in over 3 years. 

Requested Relief : 1. Immediate deletion of both the XXXXXXXX XXXX XXXX XXXXnd XXXX XXXX XXXX XXXX accounts from my credit file with Experian. 
2. A full investigation by CFPB into Experians procedures for handling disputes and account reinsertions.

3. Penalties or sanctions against Experian for their systemic failure to uphold the accuracy and fairness mandated under FCRA.

4. Written confirmation from Experian verifying deletion and correction of the accounts.

I have attached supporting documentation including Experian screenshots and report details for your review.

Please keep me informed of any findings or further documentation needed. Thank you for your time and advocacy on behalf of consumers like myself. 
Sincerely, XXXX 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