Consumer complaint received 2025-08-15 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: NC

Complaint narrative:
This is a follow-up to my CFPB complaint regarding XXXX XXXX XXXX reporting of the above-referenced account. After reviewing XXXX XX/XX/XXXX response and comparing it to my actual credit report data, I have identified multiple discrepancies and clear evidence of re-aging in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX. Date of First Delinquency ( DOFD ) Discrepancy XXXX claims the DOFD is XX/XX/XXXX. However, my credit reports ( attached ) show no recorded late payments before XXXX, and my delinquency occurred well before that date when the account was still with XXXX XXXX XXXX. By assigning a DOFD nearly XXXX years after the accounts origination, XXXX  is artificially extending the 7-year reporting period a textbook case of re-aging prohibited under FCRA 623 ( a ) ( 5 ) and 15 U.S.C. 1681s-2 ( a ) ( 5 ). 

XXXX. Missing Historical Payment Data The credit reports display Data Unavailable for all months prior to XX/XX/XXXX, omitting the full delinquency history from XXXX XXXX XXXX. This selective deletion of payment history while retaining only the collection status distorts the accounts age and status, which is misleading to creditors and violates FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) the duty to maintain maximum possible accuracy. 

XXXX. Misleading Open Date Reporting XXXX  reports the Date Opened as XX/XX/XXXX, which is the date they purchased the debt. This appears in the Opened field of my credit report, making it appear as a new derogatory account in XXXX instead of a XXXX account. While XXXX claims this is industry standard, it is materially misleading to creditors and artificially damages my credit standing. 

XXXX. Inconsistent Charge-Off Timeline XXXX  claims the account was charged-off by XXXX XXXX XXXX on XX/XX/XXXX. However, my credit report shows no charge-off or collection status for XXXX XXXX, only starting in XX/XX/XXXX. This gap in reporting undermines their claim of accuracy and indicates data manipulation or incomplete transmission to the credit bureaus. 

XXXX. Required Documentation That XXXX Can not Provide Under FCRA 623 ( a ) ( 1 ) ( A ), a furnisher must not report information if it knows or has reasonable cause to believe that the information is inaccurate. To verify accuracy here, XXXX would be required to produce complete account-level documentation from origination to present, including : Original signed credit application from XXXX XXXX XXXX Complete payment history from account opening in XX/XX/XXXX through charge-off in XX/XX/XXXX Original creditor monthly statements for all months Internal charge-off ledger from XXXX XXXX XXXX  showing balance calculations Original creditors recorded Date of First Delinquency as transmitted to credit bureaus at time of charge-off XXXX, as a debt buyer, did not originate this account and has already demonstrated that it does not have full historical records ( Data Unavailable on my reports ). If they can not provide this documentation, continued reporting constitutes a knowing violation of the FCRA. In such cases, deletion of the tradeline is the only compliant resolution. 

Requested Resolution : Given these documented inconsistencies, I am requesting that the CFPB take enforcement action to ensure XXXX XXXX XXXX : Immediately deletes the tradeline from all consumer reporting agencies, as the reported data is demonstrably inaccurate and unverifiable. 

Provides written confirmation of deletion within 15 days. 

Ceases reporting the account unless and until it can be supported by complete and original source documentation as outlined above. 

This is not a matter of difference of opinion the credit reports and XXXX  own written statements contradict each other, proving a violation of federal law. The continued reporting of this account in its current form is knowingly inaccurate, misleading, and harmful. 

Attachments : XXXX XXXX XXXX XXXXXX/XX/XXXX response letter TransUnion credit report screenshots ( showing missing data, DOFD issue, misleading open date ) Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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