Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX  ( also known as XXXX XXXX XXXX ) for knowingly furnishing false, misleading, and inaccurate information to the credit bureaus, in clear violation of the Fair Credit Reporting Act ( FCRA ). 
Summary of Violations False Payment History After Account Closure My Equifax report dated XX/XX/XXXX shows delinquencies for XXXX, XXXX, and XX/XX/XXXX ( XXXX, XXXX, and 120 days past due ), even though the account was : Closed in XX/XX/XXXX Last payment made in XX/XX/XXXX There was no account activity after that point, so any payment reporting beyond that date is factually false and damaging. 
Re-aging of Delinquency Date The " Date of First Delinquency '' appears as : Not listed at all in the XX/XX/XXXX Equifax report XX/XX/XXXX in the XX/XX/XXXX report XX/XX/XXXX in the XX/XX/XXXX report This shifting and re-aging of the delinquency date is deceptive and violates 15 U.S.C. 1681c ( a ) ( 5 ), which prohibits re-aging debt to keep it on a credit report longer than legally allowed.

Reporting Payments That Were Never Made In multiple reports, the Actual Payment Amount is listed as {$0.00}, yet the account still reflects monthly delinquency entries implying an active payment schedule.

This is a false and misleading representation of the accounts history and violates 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

I am requesting that the Consumer Financial Protection Bureau investigate XXXX XXXX XXXX and require the following : Immediate deletion from all 3 bureaus ( equifax, transunion and Experian ) Written confirmation of the deletion and any corrective action taken Enforcement action against XXXX XXXXXXXX XXXX  for its violations of the Fair Credit Reporting Act This false reporting has significantly harmed my credit score, my access to credit and housing, and caused emotional and financial distress. I am attaching screenshots/PDFs from my XXXX, XXXX, and XX/XX/XXXX Equifax reports showing the contradictory and false entries as proof. 

Due to XXXX XXXX XXXX repeated and willful reporting of inaccurate information across multiple credit reports over several months including false delinquencies after account closure, re-aged dates of first delinquency, and fabricated payment history I am formally requesting a full deletion of this account from my credit file. These errors demonstrate a pattern of reckless reporting that has caused significant and ongoing harm. I am asserting my rights under FCRA 1681i and 1681s-2 and formally requesting immediate and permanent deletion of this account from my credit file. I do not authorize reinvestigation or reinsertion of this information through the original creditor, as they have shown a consistent pattern of furnishing inaccurate data.

According to FCRA 1681i ( a ) ( 5 ) ( B ), deleted items may not be reinserted without proper certification and written notice, which I hereby deny due to the proven unreliability of the source. 


Thank you for your attention to this serious matter.

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