Consumer complaint received 2025-05-22 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: PA

Complaint narrative:
am submitting this complaint against Experian and XXXX XXXX for violating the Fair Credit Reporting Act ( FCRA ) by continuing to report a derogatory account that is inaccurate, unverifiable, incomplete, and outdated. Despite previous disputes, no proper validation or correction has been made, and the account is now harming my credit unlawfully. 



Details of the Violation : The account in question is a XXXX XXXX credit card with account number ending in XXXX, reported as a charge-off. According to my records and information provided on my Experian credit report : The original date of first delinquency ( DOFD ) occurred in or around early XXXX. 
The account was charged off in XXXX. 
It continues to be updated and reported as recently as XXXX, despite the charge-off status and original delinquency date. 

These updates constitute unlawful re-aging under FCRA 605 ( c ), which prohibits furnishing data that artificially extends the XXXX reporting period. 



Specific Violations Include : 1. FCRA 605 ( a ) ( 4 ) & 605 ( c ) The account is outdated based on the XXXX and should have been scheduled for removal after XXXX years. The continued updates into XXXX constitute illegal re-aging of a delinquent tradeline. 
2. FCRA 611 ( a ) ( 1 ) ( A ) & 611 ( a ) ( 5 ) ( A ) Neither Experian nor XXXX has produced documentation verifying the debt, including the original agreement, XXXX confirmation, or the validity of late payment entries. The FCRA mandates that unverifiable data be deleted. 
3. FCRA 607 ( b ) The account is reported with incomplete and misleading information. It does not indicate whether the balance was settled, transferred, or otherwise resolved, which is critical context for lenders and misrepresents my credit history.

4. FCRA 611 ( a ) ( 3 ) The account was previously marked as consumer disputes this account, and this remark was removed without any proper resolution or certification of accuracy from the furnisher. This violates the FCRAs requirement that dispute codes remain unless the item is validated by the furnisher.

Requested Resolution : I respectfully request that the CFPB investigate this matter and ensure Experian and XXXX CBNA are held accountable. Specifically, I am asking for : Permanent deletion of the CitiCards CBNA tradeline from my Experian credit file ; A written explanation of how the DOFD and charge-off were determined ; Full documentation used in any verification ( which has never been provided to me ) ; Reinstatement of the account disputed by consumer notation if deletion is not granted ; Remedial action to prevent future unlawful re-aging or incomplete reporting practices. 



Harm Caused : This account is damaging my credit profile and limiting my access to fair lending opportunities. It also contributes to undue stress, especially as I work to rebuild my credit responsibly. I should not be penalized by Experian and XXXX for their failure to comply with federal law and failure to maintain accurate, verifiable records.

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