Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX RE : Formal Complaint Regarding Inaccurate Credit Reporting by XXXX XXXXXXXX Account # XXXX Dear CFPB, I am writing to file a formal complaint regarding inaccurate and misleading credit reporting activity by XXXX XXXXXXXX in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. This concerns an account originally opened on XX/XX/XXXX, which has been reported as charged off with a past-due balance of {$360.00} as of XX/XX/XXXX. The reporting agency states that the account was last updated in XX/XX/XXXX, and the derogatory status continues to impact my credit profile today. Specific Issues : Inaccurate Status Update Dates Under 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA, furnishers must provide accurate information. However, this account reflects ongoing CO ( charge-off ) reporting well into XXXX and XXXX, long after the charge-off was supposedly recorded in XX/XX/XXXX. A charge-off is a one-time accounting event and should not be reported as a new derogatory event every month thereafter. This is materially misleading and artificially depresses my score. Re-Aging of Delinquency The continued reporting of new CO notations may be construed as an impermissible re-aging of the account. Per CFPB guidance and FCRA 605 ( c ), no negative account should be re-aged to appear more recent than the original date of first delinquency, which appears to have occurred in 2023. This may violate both the letter and spirit of the FCRA. Balance Inconsistency The reported credit limit is {$300.00}, yet the highest balance is shown as {$380.00}. This discrepancy raises questions about fees or penalties that may have pushed the account beyond its limit. XXXX XXXX must provide full itemization of how the {$360.00} balance was derived post-charge-off, in compliance with FCRA 611. Lack of Validation I have not been provided any supporting documentation validating the {$360.00} charge-off balance. The FCRA and recent CFPB enforcement actions emphasize the importance of data furnishers maintaining reasonable procedures to ensure maximum possible accuracy ( FCRA 607 ( b ) ) and investigating disputes thoroughly ( 611 ( a ) ). Relief Requested : Given these outlined inconsistencies and possible violations, I respectfully request the following : A formal CFPB investigation into XXXX XXXX credit reporting practices related to this account. A full review of XXXX XXXX XXXX CO notations post-charge-off and their compliance with FCRA guidelines. A directive requiring XXXX XXXX to remove or correct this item if it can not be verified as 100 % accurate, non-misleading, and fully substantiated. Consideration for deletion of the account from my credit report in light of the evidence of possible statutory violations and outdated reporting. Please find attached a copy of the relevant credit report excerpt and identifying details to facilitate your investigation. Thank you for your prompt attention to this matter. I look forward to your response and resolution in accordance with your oversight duties under federal consumer protection laws. Sincerely, XXXX XXXX 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