Consumer complaint received 2025-01-14 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: VA

Complaint narrative:
3RD ATTEMPT Subject : Complaint Regarding Re-Aging and Repeated Reporting of XXXX XXXX XXXX XXXX Account To Whom It May Concern, I am submitting this complaint regarding the inaccurate reporting of an account with XXXX XXXX XXXX XXXX on my credit report. This account is being re-aged and its charge-off status repeatedly reported, in violation of the Fair Credit Reporting Act ( FCRA ). Experience sent me a notification that they have completed the dispute and my everything was accurate. Nothing was changed, but it still shows that the inaccurate information that I have been dispute about for the last couple of months theres no way this account should be on my credit report until XX/XX/XXXX Account Information : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX Balance Owed : {$21000.00} Original Delinquency Date : XX/XX/XXXX Issue Details XXXX. Re-Aging of Account : The date of first delinquency ( DOFD ) for this account is XX/XX/XXXX, and the account was closed in XX/XX/XXXX. 
Under FCRA 605 ( c ), this account should be removed from my credit report by XX/XX/XXXX, as it exceeds the 7-year reporting period. 
However, the account is being updated as late as XX/XX/XXXX, falsely re-aging it and improperly extending its presence on my credit report to XX/XX/XXXX. 
XXXX. Repeated Reporting of Charge-Off : The charge-off status for this account has been reported multiple times, further compounding the derogatory impact.

This repeated reporting inflates the negative impact on my credit score, violating the FCRAs requirement for accurate and fair reporting. 
XXXX. Disputes Ignored : Despite disputing this account multiple times, the credit bureaus and XXXX XXXX XXXX XXXX have failed to address the issues of re-aging and repeated charge-off reporting. 
XXXX. Financial Harm : These inaccuracies are causing significant financial harm by misrepresenting my creditworthiness, unfairly lowering my credit score, and limiting access to financial opportunities.

Requested Resolution 1. Immediate Removal of the Account : Ensure the account is removed from my credit report by XX/XX/XXXX, as required under the FCRA. 
Cease improper updates to the account extending its reporting period beyond this date. 
XXXX. Correction of Repeated Charge-Off Reporting : Ensure the charge-off status is accurately reported without repeated entries inflating its negative impact. 
XXXX. Confirmation of Action : Provide written confirmation of the corrections and timeline for account removal in compliance with federal law. 

Attachments : I have included the following supporting documentation : A copy of my Experian credit report, showing the account details, payment history, and removal date discrepancies. 
Evidence of prior disputes and communications regarding this issue. 

Contact Information : Name : XXXX XXXX Phone : XXXX Email : XXXX I trust the CFPB will investigate this matter promptly and ensure that XXXX XXXX XXXX XXXX complies with federal credit reporting laws. 

Thank you for your attention to this complaint. Please contact me if additional details are required. 

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