Consumer complaint received 2025-05-31 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: CA

Complaint narrative:
I am filing this complaint due to multiple inaccurate and outdated negative items being reported by Experian, even after I have submitted formal disputes for each account. These items remain unresolved, improperly verified, and continue to impact my credit profile unfairly. 

XXXX. XXXX XXXX XXXX 2 Collection Accounts I have disputed both of these accounts, and Experian has failed to provide sufficient documentation or remove them. These debts are tied to original delinquency dates more than 7 years ago, which means they should no longer be on my report according to FCRA 605 ( a ). 

a. XXXX XXXX  Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX. 

Opened : XX/XX/XXXX Balance : {$640.00} Issue : This account is being re-aged. The original delinquency occurred more than 7 years ago, yet it is still being reported as a new collection, which violates federal reporting laws. 

b. XXXX XXXX  Account # XXXX Original Creditor : XXXX XXXX Opened : XX/XX/XXXX Balance : {$860.00} Issue : This is a second, separate account that was also derived from an older debt. Despite being disputed, it remains on file without any proper documentation or validation. 

XXXX. XXXX XXXXXXXX XXXX XXXX Inaccurate Late Payments Account Opened : XX/XX/XXXX Closed : XX/XX/XXXX Status : Paid and Closed Late Payments : Several 30-day late marks reported in XXXX and XXXX Issue : I disputed these delinquencies due to a documented period of financial hardship. I received no proper notice or meaningful resolution from the creditor or Experian. The reporting of these late payments remains inaccurate and unvalidated, in violation of FCRA 607 ( b ) and 1681i. 

XXXX. Dept. of Education / XXXX  Inaccurate Student Loan Payment History Servicer : Dept. of Education / XXXX  Account Open Dates : Between XXXX and XXXX Current Status : Deferred ( not in repayment ) Issue : Multiple student loan accounts show late payments ranging from 90 to 180 days past due, despite the fact that these loans were in deferment or forbearance at the time. I disputed the accuracy of this reporting and asked for verification. No adequate proof or corrections have been made. These misreported delinquencies violate FCRA 1681i and 607 ( b ).

Summary of Issues Outdated and re-aged collection accounts are being reported in violation of the 7-year limit under FCRA 605 ( a ).

Disputed items were not properly validated, violating FCRA 1681i.

Student loan delinquencies are inaccurately reported and not reflective of my actual payment history while in deferment.

All these items continue to damage my credit unfairly, even after formal disputes were filed.

Requested Relief I respectfully request the following : Permanent removal of both XXXX XXXX XXXX accounts. 

Deletion or correction of all inaccurate late payment entries from XXXX XXXX XXXX XXXX. 

Removal or correction of the student loan payment histories to reflect accurate deferment/forbearance status.

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