Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried to resolve this matter over 10 times with all the documention that is being requested and they still are not adhearing to the laws documented below. 

Re : INTENT TO SUE for Punitive Damages and DEMAND for Immediate Correction of Inaccurate Credit Reporting XXXX XXXX  Account Ending in XXXX Dear Experian Legal Department, I am writing to formally demand corrective action for multiple inaccuracies being reported on my Experian credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and supported by the findings in the Consumer Financial Protection Bureau ( CFPB ) enforcement action against Experian ( XXXX ). 

ACCOUNT IN QUESTION : Creditor : XXXX XXXX  Account Number ( last four digits ) : XXXX Date Opened : XX/XX/XXXX Account Status : Closed Charged Off Reported Balance : {$8200.00} ( as of XX/XX/XXXX ) Credit Limit : {$5000.00} Date of Last Payment : XX/XX/XXXX Reported Monthly Statuses : 38 months of CO ( Charge-Off ) notations extending into XXXX SPECIFIC VIOLATIONS : Repeated and Misleading Charge-Off Reporting 38 Months Experian is reporting monthly CO ( charge-off ) notations on this closed account for 38 consecutive months from XXXX into XXXX. A charge-off should be reported once, not perpetually. This gives the false impression that Ive been newly delinquent 38 separate times, which is demonstrably inaccurate and misleading. 

Violation : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy Reporting Account at 100 % Credit Usage While Closed Experian reports this closed, charged-off account as having 100 % credit utilization, based on a {$5000.00} credit limit and {$8200.00} balance. Since the account is closed, the concept of credit utilization no longer applies, and this falsely inflates my credit risk profile. 

Violation : 15 U.S.C. 1681i ( a ) Failure to correct inaccurate information Outdated and Obsolete Derogatory Information Experian is continuing to update and report derogatory charge-off statuses as recently as XX/XX/XXXX, even though the account was last paid in XX/XX/XXXX and closed with a status update in XX/XX/XXXX. This raise concerns under FCRA 605 ( a ), which limits the reporting of adverse information to seven years from the date of first delinquency, not perpetual updates that extend the life of the derogatory data. 

Violation : 15 U.S.C. 1681c ( a ) Inclusion of obsolete information Failure to Conduct Reasonable Reinvestigation If Experian previously verified this data following a dispute ( or fails to correct it within the 30-day reinvestigation window ), it would constitute a willful failure to conduct a lawful reinvestigation, as Experian has been found guilty of in prior CFPB actions. 

Violation : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Inadequate reinvestigation These violations have caused significant and quantifiable harm, including loss of credit opportunities, decreased credit scores, mental and emotional distress, and time spent pursuing corrections that should never have been necessary under federal law.

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