Consumer complaint received 2025-08-22 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:
I am filing this complaint because my Experian credit report contains inaccurate, outdated, duplicative, and misleading information in violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ).

These errors are negatively impacting my creditworthiness and causing financial and reputational harm. I have disputed these items, but they continue to report inaccurately. 



Violations by Account XXXX. XXXX XXXX Reports Invalid date in account history. This is an impermissible reporting error under FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) ( maximum possible accuracy ).

Payment history inconsistencies : Paid {$0.00} for multiple months despite open/active status, misleading under 1681i ( a ). 



XXXX. XXXX XXXX XXXX Collection Opened XX/XX/XXXX but reported in collections by XXXX XXXX possible re-aging of debt, prohibited under FCRA 605 ( c ) and FDCPA 807 ( 2 ) ( A ).

Comments contradict : Under dispute and Previously in dispute investigation complete, misleading under 1681s-2 ( a ) ( 1 ) ( A ). 



XXXX XXXX XXXX Bank XXXX Two Accounts ) Duplicate tradelines : one opened XX/XX/XXXX with lates, another opened XX/XX/XXXX never late. Reporting the same creditor twice with conflicting data is inaccurate under 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ). 



XXXX. XXXX / XXXX XXXX limits fluctuate ( {$200.00} {$300.00} {$600.00} ) inconsistently. 
Status : Purchased by another lender, but still reports a balance/write-off. This is duplicate reporting because XXXX is already reporting the same account. Violates 1681e ( b ) ( accuracy ). 



XXXX. XXXX XXXX XXXX XXXXXXXX XXXX the same XXXX debt simultaneously. Duplicate tradelines misrepresent the debt, violating FCRA 1681s-2 ( a ). 



XXXX. XXXX XXXX ( Mortgage ) Status conflict : Account marked Paid/Closed but also Foreclosure proceedings. Contradictory reporting violates 1681e ( b ). 



XXXX. XXXX XXXX XXXX frozen at {$420.00} since XXXX but marked Open/Never Late. Stale data violates duty to update under FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 ). 



XXXX. XXXX XXXX / SMC Account scheduled to age off XX/XX/XXXX. If it remains after this date, it will violate FCRA 605 ( a ) ( 4 ) ( 7-year limit on negative info ). 



XXXX. XXXX XXXX XXXX XXXX set to drop XX/XX/XXXX. If still reporting after that, it will violate 605 ( a ) ( 4 ).

Invalid date also appears in reporting impermissible error under 607 ( b ). 



XXXX. XXXX XXXX XXXX not updated monthly, misleading creditors about current status. Failure to update violates 623 ( a ) ( 2 ).

Account shows disputed multiple times but still reports unchanged possible failure to reinvestigate under 611 ( a ), 15 U.S.C. 1681i. 



XXXX. XXXX XXXX XXXX XXXX date in tradeline. This is inaccurate reporting and violates 607 ( b ).

Balance written off at only {$140.00}, inconsistent with account status.

12. Grow Credit Charged-off balance of {$68.00} on a {$130.00} account. Reporting appears punitive and disproportionate. Needs reinvestigation under 611 ( a ).

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