Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Inaccurate information on my consumer report Collection account still reporting as open/unpaid despite full satisfaction in XXXX ; Experian failed to conduct a reasonable investigation of my disputes ( FCRA violation ). I am filing this complaint against Experian Information Solutions , Inc. regarding an inaccurate collection tradeline from XXXX XXXX XXXX ( XXXX ) that continues to appear on my Experian credit report. Key Account Details : Account/Furnisher : XXXX XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX similar private-label financing used at XXXX XXXX ) Reported as : Collection account, opened XX/XX/XXXX, as of XX/XX/XXXX Current Balance Shown : {$5100.00} ( both current and original balance ) Payment History : Multiple C ( collection ) marks in XXXX Facts of the Case : This debt originated from financing at XXXX XXXX through XXXX XXXX XXXX XXXX XXXX XXXX under the XXXX XXXX program. In XXXX, I paid the account in full directly to the original creditor in the exact amount of {$5100.00} using six money orders ( five for {$1000.00} each and one for {$100.00} ), made payable to the order of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After payoff, a small residual interest notice of {$2.00} appeared, for which I have an email confirmation of payment directly to XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX. Despite the debt being fully satisfied with the original creditor in XXXX, XXXX placed it as a new collection in XX/XX/XXXX with the full {$5100.00} balance still showing. I filed multiple disputes with XXXX requesting debt validation ( proof of ownership, chain of title from XXXX XXXX XXXX, accurate balance after my XXXX payoff, etc. ). XXXX failed to provide adequate validation and continued reporting the account as open/unpaid. XXXX has a documented pattern of consumer complaints for failing to properly validate debts under the Fair Debt Collection Practices Act ( FDCPA ) 1692g ( 15 U.S.C. 1692g ) and for inaccurate reporting practices. I then filed multiple disputes directly with Experian ( via the app/site ), providing details of the XXXX full payoff via the six money orders payable to the order of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX the {$2.00} payment email confirmation to XXXX XXXX XXXX XXXX and information about XXXX failure to validate the debt. Experian failed to properly investigate these disputes as required by the Fair Credit Reporting Act ( FCRA ) 1681i ( 15 U.S.C. 1681i ), which mandates a reasonable reinvestigation, forwarding of all relevant consumer information to the furnisher, and deletion or correction of inaccurate, incomplete, or unverifiable information ( usually within 30 days ). Experian also appears to have violated FCRA 1681e ( b ) ( 15 U.S.C. 1681e ( b ) by failing to follow reasonable procedures to assure maximum possible accuracy. They did not adequately review or forward all relevant information I provided, did not require sufficient verification from XXXX, and left the inaccurate collection on my report ( still showing full balance and active C status as of XX/XX/XXXX ). This mirrors the pattern in the XXXX XX/XX/XXXX lawsuit against Experian for conducting sham investigations of consumer disputes in violation of the FCRA. Harm Caused : This inaccurate negative information is damaging my XXXX XXXX and limiting my ability to obtain credit, loans, or favorable interest rates. The collection continues to appear as open and unpaid with a full {$5100.00} balance despite the account being fully satisfied in XXXX with the original creditor. This error has persisted even after multiple disputes and Experians failure to properly investigate. What I Want Resolved : Immediate deletion of the Central Portfolio Control collection tradeline ( account XXXX ) from my Experian credit report. Confirmation in writing from Experian that the item has been permanently removed and will not be reinserted. Any other corrective action required under the FCRA and FDCPA. I have attached all supporting documentation I possess, including the {$2.00} residual interest payment email confirmation to XXXX XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX, prior dispute submissions to Experian and their responses, and any correspondence with XXXX. I request that the CFPB investigate this matter and require Experian to correct my report. I am available for any additional information needed. Statutory Citations : Violations FCRA XXXX ( XXXX XXXX. XXXX ) : Requires consumer reporting agencies like Experian to conduct a reasonable reinvestigation of disputed information, forward all relevant details to the furnisher ( XXXX ), and delete or correct inaccurate, incomplete, or unverifiable information ( typically within 30 days ). FCRA XXXX ( b ) ( XXXX XXXX. XXXX ( b ) ) : Requires reasonable procedures to assure maximum possible accuracy of information. FDCPA XXXX ( XXXX XXXX. XXXX ) : Requires debt XXXX like XXXX to cease collection ( including reporting ) upon a timely dispute until they provide proper validation of the debt. Reference to the XXXX XX/XX/XXXX lawsuit against Experian for sham investigations ( alleging violations of the above FCRA provisions ). Thank you. XXXX XXXX XXXX XXXX XX/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