Consumer complaint received 2025-08-16 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: CA

Complaint narrative:
CFPB Complaint : Inaccurate & Misleading Credit Reporting XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Name : XXXX XXXX Date of Birth : XXXX Address : XXXX XXXX XXXXXXXX Email : XXXX Creditor/Furnisher : XXXX XXXX XXXXXXXX Account Type : Auto Loan Account Number ( partial ) : XXXX Credit Bureau ( s ) Reporting : Experian ( similar errors may exist with Equifax & TransUnion ) Summary of Complaint I am filing this complaint because XXXX XXXX XXXXXXXX is furnishing inaccurate, incomplete, and misleading information about my auto loan account to Experian. The account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ) ( where applicable ), and CFPB guidelines for accurate credit reporting. 
I am requesting CFPBs assistance in investigating and requiring XXXX XXXX XXXX to remove this account from my credit report due to multiple reporting violations and the harm it is causing to my credit profile. 
Details of Inaccuracies 1. Multiple Charge-Off Notations ( Re-Aging of Debt ) - My credit report states the account was charged off from XX/XX/XXXXXXXX  through XX/XX/XXXX, which is impossible. 
- A charge-off is a one-time event, yet it is being marked as CO every single month for over three years. 
- This repeated charge-off reporting re-ages the account, making it appear more recent than it is, which violates FCRA 623 ( a ) ( 5 ) ( proper reporting of Date of First Delinquency ).

2. Missing or Incorrect Date of First Delinquency ( DOFD ) - The report fails to clearly disclose the DOFD, which is required for calculating the 7-year reporting period.

- Based on payment history, the first delinquency appears to have occurred in early XXXX. 
- If so, the account may be scheduled to fall off before XX/XX/XXXX, yet Experian lists that as the removal date. 
3. Balance Inconsistencies - The balance remained {$71000.00} from XX/XX/XXXXXXXX  through XX/XX/XXXX, despite no payment activity. 
- The balance also dropped from {$71000.00} in XX/XX/XXXXXXXX  to {$71000.00} in XX/XX/XXXXXXXX  without explanation or posted payment. 
- This violates the FCRAs requirement for complete and accurate reporting. 
4. Misleading Status Updates - The account is still being updated as of XX/XX/XXXX, despite being charged off in XX/XX/XXXX. 
- Updating a charged-off account in this way is misleading and can harm my credit score by making the derogatory item appear current.

Laws & Regulations Violated - FCRA 623 ( a ) ( 1 ) ( A ) Duty to provide accurate information. 
- FCRA 623 ( a ) ( 5 ) Duty to report correct Date of First Delinquency.

- FCRA 607 ( b ) Duty to maintain maximum possible accuracy.

- CFPB Credit Reporting Resource Guide Prohibits re-aging and misleading updates. 
Requested Resolution I request that XXXX XXXX XXXXXXXX and Experian immediately : 1. Delete this account from my credit report due to the repeated and material inaccuracies.

2. Provide documentation of the actual Date of First Delinquency.

3. Cease any further re-aging or misleading updates to this account. 
Attachments Provided : - Experian credit report screenshots ( showing charge-off date conflicts, balance inconsistencies, and monthly CO notations ). 
Certification : I certify that this information is true to the best of my knowledge and belief.

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