Consumer complaint received 2025-10-30 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: OH

Complaint narrative:
Re : Formal Complaint and Demand for Immediate Correction and Deletion of Inaccurate Credit Reporting Dear Compliance Department and Bureau Representatives, I, XXXX XXXX, submit this formal complaint and demand for immediate corrective action regarding the unauthorized, inaccurate, and unlawful reporting of consumer credit information by XXXX XXXX XXXX, XXXX, and its transferees or assignees, including XXXX XXXX XXXX. 

These entities have continued to furnish false and derogatory information to Experian, XXXX, and XXXX  without my consent, without lawful verification of debt ownership, and in violation of federal law, despite the underlying matter having been judicially resolved in my favor. 

I. Court Decision Establishing Lack of Enforceable Debt XXXX XXXX XXXX / XXXX XXXX XXXX ( Account No. XXXX ) This case was litigated and dismissed by the XXXX XXXX XXXX XXXX, confirming that XXXX Funding failed to establish ownership or standing to collect. As a result, any continued reporting of this account as delinquent, charged-off, or in collection is false, misleading, and unlawful under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

II. Illegal Re-Aging and Renewal of Charged-Off Accounts It is illegal under federal law to re-age, renew, or re-report a charged-off or sold account as current or open after it has been charged off or transferred to a third party. 

Once a creditor charges off or sells an account, it no longer has a permissible purpose or legal basis to continue updating or reporting the account as active or current. 
Doing so constitutes a false representation of account status in violation of : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

15 U.S.C. 1681s-2 ( b ) Failure to correct information after notice of inaccuracy.

15 U.S.C. 1681b ( f ) Prohibiting disclosure of consumer information without a permissible purpose.

15 U.S.C. 1692e ( 8 ) Under the Fair Debt Collection Practices Act ( FDCPA ), prohibits communicating or threatening to communicate false credit information, including the failure to communicate that a disputed debt is disputed.

Case law support : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d
Cir. 1997 ) Furnishers must conduct a reasonable investigation and can not report unverified information.

Richardson v. Fleet Bank of Maine, 190 F. Supp. 2d 81 ( D. Me. 2002 ) A creditor violates the FCRA when it reports an account inaccurately or fails to correct a false status.

Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ) Reporting information in a manner that creates a materially misleading impression is actionable under the FCRA.

Thus, the act of re-aging or re-reporting a sold or charged-off account a
s current or open constitutes a false and deceptive practice and is strictly prohibited.

III. Unauthorized Reporting and Lack of Consent I have never provided written authorization to XXXX XXXX XXXX, XXXX XXXX XXXX, or any successor entity to furnish, publish, or transmit my credit information after the sale, transfer, or judicial dismissal of the alleged debt. 

Once the debt was dismissed by the court and ownership was unproven, any continued or renewed reporting became an unauthorized disclosure of my consumer data, constituting credit defamation, negligent misrepresentation, and a violation of privacy rights under the FCRA and common law. 

IV. Demand for Immediate Corrective Action Accordingly, I hereby demand that XXXX XXXX XXXX / XXXX XXXX XXXX  and any associated entities take the following actions within fifteen ( 15 ) calendar days of receipt of this notice : Immediate and permanent deletion of all tradelines, charge-off, written-off, and/or renewed account entries related to : XXXX XXXX XXXX / XXXX  XXXX Bank Account No. XXXX Written confirmation that all reporting to Experian, XXXX, and XXXX  has been permanently deleted and that the account will not be reinserted or re-aged under any name or successor entity. 

Cease and desist from any further unauthorized furnishing, renewal, or modification of my personal or credit data. 

Provide complete documentation showing any alleged authorization, permissible purpose, or legal justification relied upon to furnish or update this account data after the courts dismissal. 

V. Notice of Intent to Pursue Remedies If XXXX XXXX XXXX, XXXX XXXX Bank, or any affiliated entity fails to comply with this demand within fifteen ( 15 ) days of receipt, I will proceed with the following actions : File a private right of action under 15 U.S.C. 1681n and 1681o, seeking statutory, actual, and punitive damages. 

Submit formal complaints to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Ohio Attorney Generals Office. 

Pursue all other available civil remedies, including claims for defamation of credit, negligent misrepresentation, and invasion of privacy. 

Conclusion The continued publication, renewal, or re-aging of dismissed, sold, or unverified debts demonstrates a reckless disregard for federal consumer protection laws and has caused substantial and measurable harm to my credit reputation. 

I therefore demand immediate and complete deletion of this account and written confirmation of compliance with this notice. 

Thank you for your prompt attention to this matter. 

Respectfully, XXXX 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