Consumer complaint received 2025-07-21 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: PA

Complaint narrative:
UHHHH OHHHHH..... YOU DONE MESSED UP AGAIN......

THIS IS A FOLLOW-UP / ESCALATION REQUEST UNRESOLVED FCRA & METRO 2 VIOLATIONS. I am submitting this follow-up complaint against XXXX XXXX for continued and willful violations of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and Metro 2 compliance standards. Despite prior CFPB complaints, XXXX continues to report monthly balance updates of {$18000.00} every single month from XXXX through XXXX despite no new payment activity since XX/XX/XXXX, and a charge-off recorded in XX/XX/XXXX. This is a textbook case of illegal re-aging of a charged-off debt!!!!!!!!! 
Their own XX/XX/XXXX, CFPB response confirms : Only one payment was received ( XX/XX/XXXX ) ; account was charged off XX/XX/XXXX ; no new payments have been made since. Yet they still report monthly balance updates with no activity, misleadingly marking the account as XXXX every month which misrepresents the age and status of the account and violates XXXX XXXX standards for closed/charged-off debt. In addition, they provide no itemized breakdown of how my original loan of {$15000.00} grew to {$18000.00}, which is nearly {$3000.00} over the original amount. Under FCRA 623, furnishers must report accurate, verifiable, and fully itemized balances including interest rates, fees, and penalties. XXXX has failed to do so in multiple disputes and CFPB responses. Their own XX/XX/XXXX response claims they are not reporting new charge-offs, but the data on my mortgage credit report contradicts this and shows active XXXX codes with monthly updates despite no payments in over 3 years. This is misleading, inaccurate, and materially harmful to my credit profile. Additionally, as of XX/XX/XXXX, XXXX has officially issued a lien release letter, and I now have the physical title to the XXXX XXXX ( XXXX : XXXX ) in my name. There is no longer a lien on the vehicle. XXXX tradeline continues to report as if the loan is active and unpaid, which is completely false. This further violates FCRA accuracy requirements and supports immediate deletion. I have uploaded the following : ( 1 ) a copy of OneMains lien release letter dated XX/XX/XXXX, ( XXXX ) a photo of my official Pennsylvania title showing no lien and my full name, ( 3 ) a copy of my valid Pennsylvania drivers license, ( 4 ) screenshots of the credit report showing illegal monthly re-aging, and ( 5 ) the full XX/XX/XXXX CFPB follow-up complaint I filed. My demands : Immediate deletion of this tradeline from all credit reports due to materially misleading, unverifiable, and inaccurate reporting ; a full itemized accounting ledger showing how the post-charge-off balance was calculated, including interest accruals and fees ; and permanent closure of this matter with proper correction of credit files across XXXX Experian, and TransUnion. I, XXXX XXXX XXXX, am the individual named on the account and the filer of this complaint. This submission is filed directly by me, with no credit repair firm, attorney, or third party involved. I am the borrower, and all documentation has been provided personally. I understand and comply with the identity verification requirements and have attached all necessary documents. This is not a dispute. This is a documented legal violation. If this tradeline is not removed within 15 business days, I will file with the Pennsylvania Attorney General, the FTC, and pursue legal remedy under FCRA 623. You have every document you need to resolve this today. There are no more excuses. NO MORE. NO MORE. NO MORE.

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