Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am filing a complaint against Experian for widespread inaccuracies, improper reporting practices, and failure to follow FCRA and XXXX XXXX standards across multiple accounts on my credit report. These errors include : continuing to report late payments on CLOSED and CHARGED-OFF accounts, reporting delinquency beyond the XXXX limit, showing balances and past-due amounts after charge-off, failing to update paid accounts to $ XXXX, and adding new negative data on accounts that should not be updating at all. XXXX  reporting is causing significant financial harm during an active mortgage process. 

XXXX. CLOSED ACCOUNTS REPORTING NEW LATE PAYMENTS ( Not allowed under XXXX XXXX ). 
Example : XXXX ( XXXX XX/XX/XXXX ) continues to show CO/late payments into XXXX and XXXX with a past-due balance of {$2400.00} reported as of XX/XX/XXXX. This violates XXXX XXXX guidelines ( XXXX XXXX XXXX ) which require payment history to STOP at charge-off. Experian is reporting new delinquencies on a closed/charged-off account, which is inaccurate and misleading. 
Violations : FCRA 607 ( b ), 602 ( A ), 611 ( a ) ( 1 ) ( A ), XXXX XXXX Charge-Off Reporting Requirements. 

XXXX. ACCOUNTS OVER XXXX  YEARS STILL REPORTING NEGATIVE HISTORY. 
Several accounts older than XXXX  years from date of first delinquency are still reporting derogatories. Negative information can not be reported past XXXX years under FCRA 605 ( a ). These must be removed immediately.

XXXX. CHARGE-OFF ACCOUNTS REPORTING GROWING BALANCES & PAST-DUE AMOUNTS. 
Example : XXXX & XXXX XXXX continues showing a growing balance ( {$14000.00} past-due as of XX/XX/XXXX ) even though the charge-off occurred in XX/XX/XXXX. Under XXXX XXXX, a charge-off requires the past-due amount to freeze and balance to not increase. 
Violations : FCRA 607 ( b ), XXXX CO Account XXXX XXXX XXXX. 

XXXX. ACCOUNTS THAT WERE PAID ARE NOT UPDATED TO SHOW PAID/CLOSED. 
Examples : multiple auto loans, XXXX loans, and closed credit card accounts show open or delinquent despite having {$0.00} balances. Failure to update paid accounts is inaccurate and violates the FCRAs requirement of maximum possible accuracy. 

XXXX. ACCOUNTS REPORTING NEW ACTIVITY AFTER CLOSURE. 
Experian allows furnishers to continue reporting payment activity and late payments on accounts that were closed years prior. Once an account is closed, the data must not continue updating monthly. 
Violations : FCRA 607 ( b ), XXXX Closed Account Reporting. 

XXXX. INCONSISTENT DATE REPORTING ( Balance updated dates do not align with status update dates ). 
Example : multiple accounts show updates in XXXX even though no payments or activity occurred for years. This is a known XXXX XXXX violation and creates the appearance of ongoing delinquency that is not real. 

XXXX. FAILURE TO VERIFY INFORMATION AFTER PRIOR DISPUTES. 
Experian has continued reporting erroneous information previously disputed. FCRA 611 ( a ) ( 5 ) ( A ) requires unverified information to be deleted. Experian has not complied. 

XXXX. MISLEADING REPORTING IMPACTING MY CURRENT MORTGAGE UNDERWRITING PROCESS. 
These inaccuracies materially damage my creditworthiness and create an unfair and inaccurate representation of my financial history. This violates FCRA 602 ( A ) : Consumers must not be unduly injured by inaccurate reporting.

Request for CFPB Action : I am requesting a full reinvestigation of all disputed accounts. If furnishers can not verify with proper XXXX XXXX compliance, Experian must delete the inaccurate information entirely. I am requesting correction or deletion of : Accounts showing late payments after closure/charge-off Accounts reporting beyond the XXXX limit Accounts with incorrect balances and past-due amounts Paid accounts not updated Accounts showing new or ongoing derogatories that can not legally appear Experian has failed to maintain the maximum possible accuracy as required by FCRA 607 ( b ). I request immediate correction, deletion, or regulatory enforcement action.

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