Consumer complaint received 2025-12-14 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: VA

Complaint narrative:
I am filing a new complaint regarding Experian for continued violations of the Fair Credit Reporting Act ( FCRA ) related to the following account : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX CFPB Complaint # : XXXX Experian previously responded to my CFPB complaint by stating that there may be potential fraud involved ( see Complaint Detail ( XXXX ) .PDF, page XXXX ). However, Experian did not provide any documentation, fraud determination, identity-theft investigation results, or verification evidence, and did not delete or correct the tradeline. Instead, Experian continues to report inaccurate, contradictory, and unverifiable information on my credit report in violation of the FCRA. 

FCRA Violations 1. Failure to Ensure Maximum Possible Accuracy FCRA 1681e ( b ) Experian reports the account as Paid / CollectionCharge-off, while XXXX  reports Paid profit and loss and XXXX reports Paid charge-off.

These materially conflicting statuses can not all be accurate and violate Experians statutory duty to ensure maximum possible accuracy.

2. Unverifiable Potential Fraud Reporting Without Investigation FCRA 1681i ( a ) ( 1 ) ( A ) Experians statement that there may be potential fraud is not a verification. Under the FCRA, Experian must conduct a reasonable reinvestigation, not speculate or defer responsibility. Experian failed to provide any evidence of fraud or results of a completed investigation.

3. Failure to Delete Unverifiable Information FCRA 1681i ( a ) ( 5 ) ( A ) By Experians own admission, the account may be fraudulent. Information that can not be verified must be deleted. Continuing to report a tradeline that Experian itself can not verify violates federal law.

4. Improper Updating and Re-Aging FCRA 1681c ( a ) ( 4 ) ( 5 ) The account reflects a {$0.00} balance, yet Experian continues to update it as a charge-off with a last reported date of XX/XX/XXXX, improperly extending the derogatory impact and misrepresenting the delinquency timeline. 


XXXX. Conflicting Dates of Last Activity and Payment FCRA 1681e ( b ) Experian lists Date Last Active : XX/XX/XXXX and Last Payment : XX/XX/XXXX, while XXXX reports XX/XX/XXXX and TransUnion reports XX/XX/XXXX. These contradictions prove the account is not being reported accurately or consistently. 


XXXX. Misrepresentation of Account Condition FCRA 1681s-2 ( a ) ( 1 ) ( A ) Reporting a XXXX XXXXXXXX account simultaneously as Paid and Charge-off misrepresents the true condition of the account and violates the furnishers duty to provide accurate information.

Key Issue Experian closed the prior complaint by asserting potential fraud while continuing to report the tradeline. Under the FCRA, possible fraud without verification requires deletion, not continued reporting. Experians own response establishes the account is unverifiable and therefore must be removed.

This complaint is supported by the attached credit report screenshot and the CFPB record referenced above.

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