Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian : Account : XXXX XXXX XXXX XXXX Subject : Formal Demand for Deletion of XXXX Account Under FCRA 1681c RE : Transaction Reported Beyond Statutory Time Limits To Whom It May Concern : This letter serves as a formal demand for the immediate deletion of a transaction currently appearing on my consumer report that is obsolete and legally prohibited from being reported under the Fair Credit Reporting Act ( FCRA ).

The transaction in question is beyond the seven-year reporting limit imposed by 15 U.S.C.

1681c ( a ) ( 4 ), which explicitly bars the inclusion of [ a ] accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. This statutory limit begins 180 days after the date of the first delinquency that led to the collection or charge-off status. 
Case Law Support In XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court reaffirmed that CRAs have an affirmative duty to maintain accurate and legally compliant information, especially when the data is facially time-barred. 
Similarly, in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court ruled that failure to exclude outdated or inaccurate information is a violation of a consumers FCRA rights, potentially subjecting the CRA to statutory and actual damages. 
There is no exception within the FCRA that permits the continued reporting of outdated, negative information for any reason, including ongoing collection efforts or data reselling practices. 
Harm and Legal Exposure The continued publication of this time-barred account on my credit report is : Inaccurate and misleading to potential creditors and employers Damaging to my financial reputation and access to credit A violation of the FCRAs limitations under 1681c ( a ) and enforcement provisions under 1681n and 1681o This outdated information constitutes illegal credit reporting and must be permanently removed.

Formal Demands I hereby demand the following within 15 calendar days of your receipt of this letter : 1. The immediate and permanent deletion of the time-barred account from my credit file ; XXXX. A corrected copy of my updated credit report reflecting the removal ; XXXX. A written explanation of how this obsolete item was verified and allowed to remain ; 4. Disclosure of the furnishing entitys name and address.

If you fail to comply, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will initiate a civil lawsuit seeking relief under 15 U.S.C. 1681n and 1681o, including actual, statutory, and punitive damages. 
Govern yourselves accordingly XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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