Consumer complaint received 2025-07-19 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: PA

Complaint narrative:
I am filing this complaint directly against Experian, as XXXX XXXX  is not listed in your database. This is regarding an account reported by XXXX XXXX  under my former legal name, despite multiple formal disputes and requests for validation submitted over the years. Both Experian and XXXX XXXX  have repeatedly failed to comply with consumer protection laws and due process, resulting in ongoing harm and reputational injury. 

The account was opened on XX/XX/XXXX, with an original balance of {$500.00}. It is now listed as charged off with an inflated balance of {$840.00}, which includes unauthorized fees or penalties that have never been explained or validated. The account was last reported as active in XX/XX/XXXX, yet Experian updated the balance as recently as XX/XX/XXXX. This is a clear violation of the FCRA, including but not limited to : FCRA 1681s-2 ( a ) Duty of furnishers to provide accurate information FCRA 1681c ( a ) ( 4 ) Prohibition against reporting old debts beyond 7 years FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation after a dispute FCRA 1681i ( a ) ( 5 ) Obligation to delete disputed information if it can not be verified FCRA 1681g Failure to provide clear disclosures to the consumer FDCPA violations Unlawful debt collection activity by reporting a charge-off without notice or validation IRS XXXX noncompliance Failure XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX for XXXX {$840.00} charged off False re-aging Attempt to reset reporting timelines, which is deceptive and prohibited Additionally, Experian has verified this information multiple times over XXXX years without any meaningful investigation, in violation of FCRA XXXX ( a ) ( XXXX ) ( A ). My disputes cited the incorrect legal name, failure to validate the debt, failure to provide any signed agreement, and discrepancies in balanceyet the account remains unchanged with no documentation ever provided. This process lacks transparency, objectivity, and fairness, and deprives me of due process. 

As a result of these repeated and willful violations, I have incurred : Denial of credit opportunities Inflated interest rates Emotional distress Reputational harm Continued reporting of false data with no legal contract in my current name Requested Resolution : Immediate and permanent deletion of this account from my Experian file Full explanation of Experians reinvestigation methods and documentation used Investigation into Experians automated dispute handling system, which allows furnishers to bypass validation requirements Monetary damages for prolonged inaccurate reporting and willful noncompliance Referral to the FTC and IRS for appropriate enforcement action I do not consent to the storage, processing, or reporting of data tied to a name no longer associated with my legal identity. Continued reporting constitutes willful negligence and violation of my rights under federal law. I reserve all rights to seek legal remedies under the FCRA, FDCPA, and applicable IRS regulations.

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