Consumer complaint received 2025-03-15 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: MA

Complaint narrative:
Experians Failure to Comply with FCRA Inaccurate & Unverifiable Reporting of XXXX XXXX XXXX Experian is willfully violating the Fair Credit Reporting Act ( FCRA ) by continuing to report inaccurate, unverifiable, and misleading information regarding an account from XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX ) on my credit report. Despite a formal dispute and a CFPB complaint, Experian failed to verify the account properly and has unlawfully marked it as Remains. Their actions constitute multiple violations of federal law, and I demand immediate corrective action. 

Violations & Noncompliance by Experian 1. Illegal Re-Aging of Debt / Statute of Limitations Manipulation ( FCRA Violation 15 U.S.C. 1681c ( a ) ) Experian appears to have allowed XXXX XXXX to update the charge-off multiple times, effectively re-aging the debt and illegally extending the reporting period beyond the legally permitted timeframe.

Under FCRA Section 605 ( a ) ( 4 ), negative accounts can only remain on a credit report for 7 years from the original delinquency date NOT the date of a creditors internal reporting update. 
If Experian is knowingly permitting XXXX to manipulate the charge-off timeline, they are complicit in an FCRA violation and subject to legal liability.

2. Failure to Verify the Charge-Off Lack of Independent Investigation ( FCRA Violation 15 U.S.C. 1681s-2 ( b ) ) Experian has not provided any proof that they conducted an independent reinvestigation of this dispute, as required under the FCRA. 
Instead of verifying the account with actual supporting documentation, Experian simply relied on data provided by XXXX XXXX without reviewing the validity of the claim. 
FCRA Section 623 mandates that credit bureaus verify debt with complete accuracy. 
Experian failed to provide original documentation such as : A signed agreement proving my liability for the debt. 
Full transaction history and detailed payment records. 
A valid method of verification from XXXX XXXX. 
If Experian can not provide these materials, they are in direct violation of the FCRA, and this account must be removed immediately.

3. Improper Handling of Identity Theft Risk Data Breach Impact ( FCRA Violation 15 U.S.C. 1681c-2, 605B ) My personal data was compromised in a major breach involving XXXXXXXX XXXX XXXX XXXX XXXX increasing the likelihood of fraudulent activity linked to my name.

Under FCRA Section 605B, if an account is associated with compromised data, the credit bureau must conduct a heightened verification process or remove the account entirely. 
Experian failed to acknowledge this risk and ignored the potential for identity theft, further violating their duty under federal law. 


4. Inconsistent and Incorrect Reporting Across Multiple Credit Bureaus ( FCRA Violation 15 U.S.C. 1681e ( b ) ) The balance, charge-off date, and payment history for this account do not match my reports from TransUnion and XXXX, demonstrating reporting inconsistencies.

Per FCRA Section 1681e ( b ), Experian is legally required to maintain the maximum possible accuracy in consumer reports. 
These discrepancies prove that Experian failed to take reasonable steps to ensure the accuracy of my report, and this account must be deleted.

5. Failure to Provide Method of Verification ( FCRA Violation 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) ) If Experian claims to have verified this account, they must provide a full method of verification, including : The original signed contract with XXXX XXXX. 
A detailed breakdown of payments made. 
Any documentation proving their verification process was conducted lawfully. 
Experian has failed to provide any such documentation, further proving that their verification process was incomplete and legally non-compliant.

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