Consumer complaint received 2025-03-28 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:
Consumer Financial Protection Bureau Complaint Submitted by : XXXX XXXX Date : XX/XX/XXXX Subject : Experian Willful Violations of the Fair Credit Reporting Act ( FCRA ) Demand for Immediate Deletion of Inaccurate Accounts Nature of Complaint : I am filing this complaint against Experian Information Solutions , Inc. for multiple, ongoing violations of the Fair Credit Reporting Act ( FCRA ) resulting from the continued reporting of inaccurate, incomplete, and misleading information on my consumer credit file. 

These violations involve : Misreporting of closed and charged-off accounts Improper re-aging of debts Factual impossibilities in payment history reporting Failure to ensure maximum possible accuracy as required by 15 U.S.C. 1681e ( b ) Failure to delete or correct inaccurate information under 1681i ( a ) Despite prior disputes, Experian has refused to delete the inaccurate information. I am demanding immediate deletion of all listed accounts within 5 days of this complaint. If these items are not removed immediately, I will pursue a lawsuit for statutory damages under 1681n and 1681o of the FCRA for willful and negligent noncompliance. 



Accounts in Violation : XXXX. XXXX XXXX XXXX Acct # XXXX Reporting monthly charge-offs from XXXX through XXXX despite closure in XX/XX/XXXX Shows open past due balance of {$9500.00} despite charged-off status FCRA Violation : XXXX ( b ) Failure to ensure accuracy Relief Requested : Immediate deletion XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX Account closed XX/XX/XXXX, yet Experian reports monthly charge-offs through XXXX Reporting of past due balance is misleading and inaccurate FCRA Violation : 1681e ( b ), 1681c Obsolete data Relief Requested : Immediate deletion XXXX. XXXX XXXXXXXX XXXX XXXX  Separate Accounts : a. Account opened XX/XX/XXXX {$490.00} CO Payment history contains inconsistent XXXX XXXX XXXX entries post-closure Violation : Incomplete and inaccurate data FCRA Violation : 1681e ( b ) Relief Requested : Delete immediately b. Account opened XX/XX/XXXX {$1400.00} CO Conflicts with prior account under same bank but different charge-off amounts Violation : Duplicate/inconsistent reporting FCRA Violation : 1681e ( b ) Relief Requested : Delete immediately XXXX Account opened XX/XX/XXXX {$1100.00} CO Charged off in XXXX, but Experian continues to show monthly charge-offs through XXXX Violation : Re-aging and misleading balance FCRA Violation : 1681e ( b ) Relief Requested : Delete immediately d. Account opened XX/XX/XXXX {$560.00} CO Repetitive CO entries long after charge-off , with no active debt Violation : False status reporting FCRA Violation : 1681e ( b ), 1681c Relief Requested : Delete immediately XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount was closed in XX/XX/XXXX, yet Experian reports 30- and 60-day late payments for XXXX and XX/XX/XXXX Violation : Reporting factually impossible delinquencies FCRA Violation : 1681e ( b ) Relief Requested : Delete immediately XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Acct # XXXX Reports 120180 day lates despite XX/XX/XXXX payment ; amounts inconsistent with payment history Violation : Inaccurate delinquency and balance reporting FCRA Violation : 1681e ( b ) Relief Requested : Delete immediately Legal Action : Due to Experians continued failure to delete these accounts after being notified of their inaccuracies, I am preparing to file a federal lawsuit for the following claims : Willful violation of FCRA 1681e ( b ) Failure to ensure maximum possible accuracy Failure to reinvestigate under 1681i ( a ) Violation of 1681c Reporting obsolete information Damages : I will seek statutory damages of up to {$1000.00} per violation, plus actual damages for emotional distress, financial harm, and attorneys fees and costs under 1681n and 1681o. 



Demand for Relief from CFPB : 1. Order Experian to delete all accounts listed above within 5 days. 
2. Require Experian to cease and desist from future re-reporting or reinsertion.

3. Hold Experian accountable for its reckless, repeated, and willful violations of federal law. 



Attachments Provided : Full Experian credit report ( dated XX/XX/XXXX ) Highlighted pages showing errors Copy of my government-issued ID & Social security card

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