Consumer complaint received 2025-07-15 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: IL

Complaint narrative:
b'Supplemental Complaint  XXXX XXXX & FCRA Violations by Experian (XXXX XXXX XXXX  Account)\nReference: CFPB Complaint XXXX\n\nNote: On XXXX XXXX XXXX, I received a generic acknowledgment from Experian referencing my XXXX XXXX CFPB complaint, but the response contained no meaningful review or resolution. I am submitting this supplemental statement to ensure that specific XXXX XXXX  and FCRA violations are formally reviewed and resolved.\n\n\n\n Summary of Ongoing Issues:\n\nThis complaint involves the reporting of a charged-off XXXX XXXX XXXX account by Experian, with active involvement from XXXX XXXX XXXX XXXX, a debt collector to whom I sent a timely written validation request. My concerns include unlawful re-aging, data furnishing errors, and XXXX XXXX compliance failures, all of which materially impact my creditworthiness and rights under federal law.\n\n\n\n XXXX XXXX and FCRA Violations by Experian:\n\n1. Illegal Re-Aging (FCRA  605(c))\nThe XXXX XXXX XXXX account was charged off in XXXX XXXX, yet Experian continues to report it with monthly updates through XXXX XXXX, including a past due balance. This misrepresents the delinquency timeline and violates FCRA rules on the XXXX reporting period, which begins XXXX XXXX  after first delinquency.\n\n2. Improper Payment History Post-Charge-Off\nExperian reports rolling XXXX late payments beyond XXXX XXXX, rather than properly using CO (Charge-Off) status. This is a violation of XXXX XXXX reporting standards, which prohibit continued delinquency coding after charge-off.\n\n3. Balance and Past Due Amount Conflict\nExperian is reporting both a current balance of XXXX and a past due amount of XXXX. This is inaccurate and misleading. If the account has been charged off and transferred (as indicated by XXXX collection efforts), it should reflect a XXXX balance with a sold/transferred notation. The current format violates XXXX XXXX guidelines and contributes to consumer harm.\n\n4. Missing Dispute Notation (FCRA  611(b); XXXX XXXX XB Code)\nI timely disputed the debt in writing with XXXX  on XXXX XXXX XXXX. They received it on XXXX XXXX XXXX (Certified Mail XXXX XXXX XXXX XXXX XXXX XXXX). Despite this, Experian has not marked the account as disputed, violating both XXXX XXXX compliance standards and FCRA  611(b), which requires a consumer disputes this account notation during any unresolved dispute.\n\n\n\n Supporting Documents (previously submitted or available upon request):\n\t\tScreenshot of Experian credit report showing XXXX XXXX update and post-charge-off activity\n\t\tMy dispute and validation letter to XXXX  dated XXXX XXXX XXXX\n\t\XXXX  collection notice dated XXXX XXXX XXXX\n\t\tUSPS Certified Mail receipt confirming XXXX XXXX XXXX delivery to 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