Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX  Account # : XXXX Potential FCRA Violations Identified XXXX. Reporting of a XXXX Account with a XXXX XXXX : The account is marked as XXXX and reports a past due amount of {$920.00} as of the last reported date : XX/XX/XXXX. 
Why it XXXX be a violation : If the creditor already wrote off the debt as a loss, reporting it with a past due balance may be inaccurate or misleading. Under FCRA 607 ( b ), information must be accurate and complete.

2. Duplicate Monthly Reporting of CO After Last Payment Issue : The CO ( Charge Off ) status continues monthly for over XXXX years, even though last payment was XX/XX/XXXX and last activity was XX/XX/XXXX. 
Why it XXXX be a violation : Repeated monthly CO status XXXX artificially re-age the account or give the appearance of ongoing negative behavior, which could violate FCRA and credit reporting best practices under the XXXX XXXX guidelines. 

XXXX. Account Reporting as Active After Closure Issue : The account states : Account has been closed due to inactivity, yet continues to report past due and charge-off status actively. 
Why it XXXX be a violation : If the account is closed, it should not reflect new negative information unless it's legally owed and collectible. The FCRA requires data to be timely and relevant ( XXXX ( a ) ). 

XXXX. No Clear Reporting from TransUnion or Equifax Issue : The report only shows activity under Experian, not TransUnion or Equifax. 
Why it XXXX be a concern : Inconsistent reporting XXXX raise questions about completeness under FCRA XXXX ( a ), especially if the account is only affecting XXXX bureau. 

XXXX. Statute of Limitations and Obsolete Information Date Opened : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Expected fall-off date ( 7 years from XXXX ) : Should be XXXX at the latest Monitor that it's not reported beyond this Why it matters : Under FCRA 605 ( a ) ( XXXX ), derogatory information like charge-offs can not be reported more than 7 years after the Date of First Delinquency ( DoFD ). 

XXXX XXXX Account # : XXXX Potential FCRA Violations Second Account Review XXXX. Re-aging the Account via Updated Reporting Dates Issue : Last Payment : XX/XX/XXXX Last Active Date : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Experian ) Last Reported Date : XX/XX/XXXX nearly 6 years after last payment. 
Why this matters : Under FCRA 605 ( a ) ( 4 ), charge-offs must be removed 7 years from the Date of First Delinquency ( DoFD ) not the last payment or last update. 
If this account continues reporting derogatory statuses like CO month after month, it could be considered re-aging, which is prohibited by FCRA and XXXX XXXX standards. 

2. Repetitive Monthly CO Marks Long After Charge-Off Issue : This account continues showing monthly CO ( Charge Off ) codes in the payment history through XX/XX/XXXX. 

3. Zero Credit Limit Reported ( Experian ) Issue : Experian lists XXXX XXXX = {$0.00}, while TransUnion correctly shows {$5700.00}. 
Why its wrong : Reporting a {$0.00} credit limit misrepresents the utilization ratio and affects scoring. Under FCRA 607 ( b ), all information must be accurate and fair. 

XXXX. No XXXX at Equifax XXXX : This account is not reported to Equifax. 

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section XXXX ( a ) ( XXXX ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

JPMCB CARD XX/XX/XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes. 

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.

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