Consumer complaint received 2025-07-01 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: MI

Complaint narrative:
To Whom It May Concern I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against Experian for violating my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I am requesting that Experian be investigated and held accountable for reporting inaccurate, incomplete, and unverified information on my credit report, which is negatively impacting my financial reputation and well-being. I am providing detailed account information, violations of law, and factual explanations below : Account : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$650.00} Status : Collection Issue : This account is being reported as a collection account on my Experian credit file without any proper debt validation or verification. The account appears to have been re-aged with a false open date of XX/XX/year>, and I have not received any notice or documentation to validate the alleged debt. I never received any written notification about this debt, and this collection entry is damaging my creditworthiness unlawfully. 
Law Violations : FCRA 1681e ( b ) : Experian is required to follow reasonable procedures to ensure the maximum possible accuracy of the information it reports. Reporting a collection without validating it is a direct violation.

FCRA 1681i ( a ) : Failure to properly reinvestigate my dispute within the required timeframe is a violation.

FDCPA 809 ( b ) [ 15 USC 1692g ( b ) ] : This law requires debt collectors to cease collection and validate the debt if the consumer disputes it in writing. No such validation has been provided.

FCRA 1681c ( a ) ( 4 ) : If a debt is re-aged or reported with an inaccurate open date to extend the reporting period, it is a violation of the statute limiting the reporting period for negative items. 
Detailed Story : I have never been notified by XXXX XXXX XXXX about any debt from XXXX  XXXX. The account listed shows an open date of XX/XX/year>, which is clearly erroneous and used deceptively to re-age the debt. I dispute the entire validity of this alleged collection. I requested validation from the debt collector and Experian, but I was never provided with any documents showing that the debt belongs to me or any original signed agreement. Furthermore, I did not receive any notice under the 30-day validation period as required by FDCPA, and thus, this debt should not have been reported at all. Experian has ignored my prior disputes and failed to conduct a reasonable investigation. The continued reporting of this unverified, inaccurate debt is a violation of my rights and is causing me harm in obtaining credit, employment, and housing. This entry is misleading, unverifiable, and legally noncompliant. I am requesting that CFPB require Experian to permanently delete this account from my credit file and take regulatory action for their repeated violations. 
Request for Relief : I am requesting immediate deletion of the above account from my Experian credit file. I also request that CFPB investigate this matter thoroughly and enforce corrective action, including penalties if necessary, for Experians repeated violations of federal consumer protection laws. I demand that Experian provide a complete and verifiable explanation of why they allowed this inaccurate and unvalidated account to remain on my report, in violation of the FCRA and FDCPA.

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