Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
In XXXX, rental arrears occurred during the XXXX period. These arrears were fully paid in early XXXX through California XXXX ( Case ID XXXX ). XXXX paid {$19000.00}, and the XXXX documents show a {$0.00} remaining balance marked complete and final accounting. Under California law ( SB 91 and AB 832 ), once XXXX pays the arrears : the debt is legally satisfied, no interest, fees, or charges may accrue, the debt can not be sold or assigned to collections, and the debt may not be reported to any credit bureau. 

Despite these legal restrictions, XXXX XXXX XXXX began reporting a collection account. Below is a summary of the issues : 1. Illegal Re-Aging XXXX XXXX reported an open date of XX/XX/XXXX, which is impossible. 

I provided documentation showing I no longer lived at the property near that date. 

XXXX documents prove the debt was satisfied more than two years prior.

This violates FCRA 623 ( a ) ( 5 ) and FCRA 607 ( b ).

2. Inflated and Unlawful Balance Original amount : approx. {$15000.00} Reported amount : {$19000.00} California SB 91 and AB 832 prohibit ANY additional charges or fees once XXXX pays rent. 

Inflating the balance violates : FCRA 623 ( a ) ( 1 ) ( A ) FDCPA 807 ( 2 ) ( false representation of amount ) Civil Code 1785.25 Civil Code 1788.17 3. Reporting Debt That California State Law Prohibits Reporting Under SB 91 & AB 832 : ERAP-covered arrears can not be reported to credit bureaus. 

XXXXcovered arrears can not be placed for collections. 

Reporting this debt at all violates California law. 

4. Multiple Inconsistent Furnisher Names XXXX XXXX is being reported under legally distinct names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This violates : FCRA 602 ( a ) ( accuracy ) FCRA 607 ( b ) ( reasonable procedures ) It also makes the account unverifiable.

5. No Verification Documents Provided In three disputes over more than a year, XXXX XXXX NEVER provided : No lease No tenant ledger No accounting breakdown No itemized charges No XXXX posting documentation No proof supporting the balance No documents supporting the XX/XX/XXXX open date They sent only a generic one-page letterhead, with no supporting attachments. 
This violates : FCRA 623 ( a ) ( duties of furnishers ) FDCPA 809 ( b ) ( validation required ) 6. Experian Improperly Verified the Account Three Times Despite receiving : XXXX documents from XXXX XXXX, and contradictory evidence from me Experian still marked the account as verified. 
This violates : FCRA 611 ( a ) ( failure to conduct reasonable reinvestigation ) 7. Improper Handling of My Information XXXX XXXX mailed correspondence to a new address I never gave them. 

They requested my drivers license, which shows they lacked proper identification.

A furnisher can not lawfully verify a debt without proper identifying records.

This raises concerns under : FCRA 623 ( a ) ( 3 ) FCRA 604 8. Harm Caused This inaccurate reporting has been ongoing for over a year.

It has negatively affected my husbands employment, causing real financial and emotional stress.

The unlawful reporting of a debt that California prohibits from being collected or reported is causing ongoing harm and is grounds for legal action.

Requested CFPB Action I am requesting that the CFPB require Experian to conduct a lawful reinvestigation under FCRA 611 or permanently delete the tradeline due to being : inaccurately reported, illegally re-aged, inflated, prohibited from reporting under CA law, unverifiable, unsupported by any documents, and improperly verified multiple times in violation of federal law.

This inaccurate and unlawful reporting has caused financial harm, including impacting my husbands employment. The ongoing reporting of a debt that California law explicitly prohibits from being collected or reported is illegal and creates grounds for legal action.

I am requesting CFPB assistance to require Experian to conduct a lawful reinvestigation under FCRA 611 or permanently delete this tradeline due to its inaccurate, unverifiable, illegally re-aged, inflated, unvalidated, and unlawfully reported nature.

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