Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I am filing a formal complaint against Experian for repeated, reckless, and non-compliant violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting guidelines across multiple tradelines, each causing severe harm to my credit profile. First, regarding the XXXX XXXX XXXX XXXX  account ( Account # : XXXX ), Experian is reporting this installment account as Current, was past due 180 days or more while simultaneously displaying a clean payment history from XX/XX/XXXX to XX/XX/XXXX, including the most recent entries marked OK. This conflicting data violates FCRA 1681e ( b ), which mandates the reporting of information with maximum possible accuracy. XXXX XXXX requires derogatory marks to transition to Code 11 ( Paid or Paying as Agreed ) once an account is current, which Experian failed to do. No timeline, dispute comment, or narrative transition exists to justify this ongoing derogatory status. Even worse, TransUnion and Equifax do not report this account at all, which further calls into question the accuracy and permissibility of its presence in my file. Second, with XXXX XXXX ( Account # : XXXX ), Experian lists the account as Current, was past due 30 days but shows on-time payments since XX/XX/XXXX another contradiction and FCRA 1681e ( b ) violation. Experian failed to apply XXXX XXXX Code 11 and instead preserved the derogatory mark without documenting the recovery. Additionally, the comment Account previously in dispute now resolved appears without any supporting reinvestigation results, no method of verification, and no XXXX XXXX XXXX dispute coding a violation of FCRA 1681i ( a ) ( 6 ) ( B ). Third, Experian is unlawfully reporting two duplicate tradelines from XXXX XXXX XXXX  XXXX ( Account # : XXXX ), each with nearly identical balances, credit limits, high credit, and open statuses yet neither is marked as a duplicate or transferred. This distorts my revolving utilization and artificially deflates my credit score, violating FCRA 1681e ( b ). Both accounts also report a 30-day late payment in XX/XX/XXXX, but show consistent OK payments thereafter, with no XXXX XXXX status correction via Code 11, further violating industry compliance. The dispute comment again lacks verification, no resolution documents were provided, and no proper XXXX codes were displayed during dispute handling, breaching FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Lastly, on the XXXX XXXX  XXXX tradeline ( Account # : XXXX ), Experian falsely labels the account as Current, was past due 30 days XXXX times, referencing XXXX and XX/XX/XXXX delinquencies. Despite the account being current with no past due balance, Experian fails to apply XXXX XXXX Code 11, falsely suppressing my credit score. The associated dispute remark offers no verification results, no audit trail, and no XXXX XXXX dispute coding, again violating FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). In totality, these actions by Experian reflect systemic negligence, noncompliance with federal law, and willful disregard of XXXX XXXX standards. I am demanding the immediate deletion of all inaccurate, duplicate, and improperly verified accounts and derogatory history from my Experian credit file. Failure to comply will result in further legal escalation under the FCRA, including complaints to the CFPB, FTC, and consideration of civil 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