Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Company : XXXX XXXX XXXX XXXX. 

Issue : Inaccurate credit reporting / Improper re-aging of a collection account Problem Date Range : XXXX Present Summary of Complaint : I am filing this complaint against XXXX XXXX  for : 1. Knowingly reporting inaccurate information the account in question is not mine and the name on XXXX XXXX own records does not match mine.

2. Improper re-aging of a collection account XXXX XXXX has repeatedly changed the Collection As Of date from its original XXXX status to make it appear recent through XXXX. 

3. Continuing to furnish this information after prior disputes, despite being provided documentation showing the account is not mine.

This account originated from XXXX XXXX XXXX. My mother opened the account and used my email address only because she did not have an email. I was not a customer, co-signer, or responsible party on the account.

Prior Dispute History - I disputed the account with the credit bureaus and XXXX XXXX multiple times beginning in XXXX. 
- XXXX XXXX responded that the account was accurate without addressing the fact that the name on the account does not match mine. 
- XXXX XXXX has continued to update the account, causing it to appear more recent than it is, extending the negative impact on my credit.

Evidence of Re-Aging Correct Timeline ( Based on Original Delinquency XXXX ) Reported Timeline ( Re-Aged by XXXX XXXX ) XX/XX/XXXX Account opened, placed for collection. 

XX/XX/XXXX Still shows Date Opened, but Date Updated changes repeatedly. 

XXXX First and only collection activity. 

XX/XX/XXXX Balance updated despite no payment or new activity. 

No activity after XXXX should age off by XX/XX/XXXX. 

XXXX C

ontinuous C collection codes reported each month, implying ongoing delinquency. Under FCRA 623 ( a ) ( 5 ), DOFD must remain fixed. XXXX XXXX  Reported as Collection account. {$490.00} past due as of XXXX XXXX, falsely suggesting recent delinquency. 

FCRA and FDCPA Violations FCRA 623 ( a ) ( 1 ) Furnishing information known to be inaccurate.

FCRA 623 ( a ) ( 5 ) Failing to report the correct Date of First Delinquency, thereby re-aging the account.

FDCPA 807 ( 2 ) ( A ) Misrepresenting the character, amount, or legal status of a debt.

FDCPA 807 ( 8 ) Communicating credit information known to be false.

Relief Requested : - Immediate deletion of the XXXX XXXX account from all consumer reporting agencies. 

- Written confirmation from XXXX XXXX that the account will not be re-reported. 

- Correction of all information furnished to third parties regarding this account. 

Attachments : 1. XXXX XXXX account record showing incorrect name. 

2. Credit report screenshots from Experian showing date and status changes from XXXX. 

3. Re-Aging Timeline Chart above.

4. Proof of my identity and correct legal name.

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