Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Formal Dispute of Inaccurate, Incomplete, and Misleading Credit Information Pursuant to FCRA 602, 607 ( b ), 611, and 623. Experian credit reporting agency, to block information appearing on my consumer FICO credit report within 4 business days of receiving this complaint. I am writing to formally dispute multiple inaccurate and misleading entries on my Experian credit report. These items are being reported in violation of the FCRA 605B ( 15 U.S.C. 1681 et seq. ) and relevant federal case law governing the duty of furnishers and credit reporting agencies to ensure maximum possible accuracy and timely correction of disputed data. Disputed Accounts and Details : XXXX ( Acct. No. XXXX ), reported as XXXX XXXX with {$830.00} balance and {$830.00} past due as of XX/XX/XXXX. Dispute Basis : Inconsistent charge-off reporting and balance status. A charged-off account can not simultaneously reflect an ongoing past due amount. This is a violation of FCRA 607 ( b ) ( requirement for maximum accuracy ) and creates a misleading impression of current delinquency, contrary to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). XXXX XXXX XXXX  ( Acct. No. XXXX ), listed as charged off with continued monthly updates extending into XXXX. Dispute Basis : Once charged off, the accounts status should not be updated as if still delinquent each month, as this re-ages the debt and violates 15 U.S.C. 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ) ( furnishers may not report information known to be inaccurate ). Case reference : XXXX XXXX XXXX Banking XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) holding that misleading reporting that implies ongoing delinquency after charge-off violates FCRA obligations. XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( Acct. No. XXXX ), reported as charged off {$2000.00}, with recurring CO notations after the charge-off date. Dispute Basis : This pattern constitutes double reporting of delinquency and damages creditworthiness beyond permissible reporting limits, violating FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( B ). 
Case reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) requiring FCRAs to reinvestigate and correct misleading tradeline data. XXXX XXXX XXXX. ( Acct. No. XXXX ), reported charge-off as of XX/XX/XXXX but continues to show balance updates post charge-off. Dispute Basis : Reporting postcharge-off balance updates misrepresents the accounts true nature and violates FCRA 623 ( a ) ( 2 ) ( duty to correct and update inaccurate information ). XXXX XXXX XXXX ( Acct. No. XXXX ) and XXXX XXXX XXXX ( Acct. No. XXXX ), These collection accounts report as active collections for debts already charged off by the original creditors, creating duplicate derogatory listings for the same obligation. 
This is a material misrepresentation and violates FCRA 607 ( b ) and 623 ( a ) ( 5 ), requiring proper identification and reporting of collection transfers. Case support : XXXX XXXX Equifax XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) reporting duplicate collections constitutes inaccurate and misleading credit reporting. 
XXXX ( Acct. No : XXXX ), status : Paid, Closed. Dispute Reason : Although reported as Paid, Closed, this account shows erroneous late payments ( 30 days past due ) prior to closure. The record should reflect " Paid as Agreed '', as the account was successfully closed with no balance due. Reporting late after the account was satisfied violates FCRA 1681s-2 ( a ) ( 1 ) ( A ) ( accuracy requirement ) and constitutes continued publication of inaccurate data. Supporting Case Laws XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Furnishers must report complete and accurate data. 
XXXX v. XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Inaccurate or incomplete reporting after notice of dispute violates FCRA duties. I request that the entire payment history be corrected to reflect Paid/Closed No XXXX Payments or deleted entirely if verification can not be substantiated. XXXX Acct XXXX No : XXXX ), Status : Closed Delinquent Payment History. Dispute Reason : This account lists multiple late payments ( 30150 days ) which I dispute as inaccurate and unverified. I request all documentation proving these alleged delinquencies, including payment records and original signed agreements. Failure to provide this documentation constitutes a violation of FCRA 1681i and FDCPA 807 ( 8 ), 15 U.S.C. 1692e ( 8 ) for communicating false credit information. Legal Authority and Notice of Rights Under FCRA 611 ( 15 U.S.C. 1681i ), Experian must conduct a reasonable reinvestigation of each disputed item within 30 days of receipt of this notice. Furthermore, per FCRA 623 ( b ), furnishers must investigate disputed data once notified by the CRA and report results back to you. Failure to delete or correct inaccurate information within the statutory period constitutes willful noncompliance under 15 U.S.C. 1681n, or negligent noncompliance under 1681o, entitling me to actual, statutory, and punitive damages.

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