Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
Subject : Formal Credit Dispute and Request for Deletion/Correction of Inaccurate and Unverifiable Information Re : Violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) Dear Experian Dispute Department, I am writing to formally dispute multiple inaccurate, outdated, and unverifiable accounts and data entries currently appearing on my Experian credit report. This letter serves as a formal notice under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), demanding immediate investigation, correction, and deletion of the erroneous information outlined below. 

I. Summary of Disputed Information After reviewing my Experian report dated XX/XX/XXXX, I identified several accounts and data points that violate FCRA accuracy and completeness standards. These items contain false payment histories, unverifiable balances, improper reporting post-closure, and outdated derogatory remarks. 

XXXX. XXXX XXXX XXXX XXXX Error : Account shows late payments ( 3060 days ) but is listed as Open and Current. 
Conflict : Balance and credit usage updated through XX/XX/XXXX, yet status shows Closed XX/XX/XXXX. 
Violation : Reporting contradictory data violates FCRA 607 ( b ) ( accuracy ) and 623 ( a ) ( 1 ) ( A ) ( furnisher duty to report accurately ).

Action Requested : Remove late payment notation and update account to reflect accurate closure date and XXXX delinquency. 
XXXX. XXXX XXXX XXXX  Error : Account marked Closed but continues to report monthly updates and delinquency post-closure. 
Violation : Reporting activity after closure violates FCRA 607 ( b ) and 611 ( a ) ( duty to maintain maximum possible accuracy ).

Action Requested : Terminate account reporting and delete all post-closure updates. 
XXXX. XXXX XXXX XXXX Error : Late payment reported after closure ; missing final balance and closure details. 
Violation : Inaccurate reporting of payment history and incomplete closure data violates FCRA 623 ( a ) ( 2 ) and 607 ( b ).

Action Requested : Remove late payment and update to Paid/Closed {$0.00} balance. 
XXXX. XXXX XXXX Error : False late payment history and missing closure accuracy. 
Violation : Reporting false payment data violates FCRA 607 ( b ) and 611 ( a ).

Action Requested : Remove all late payments and terminate account reporting. 
XXXX. XXXX XXXX XXXX XXXX Error : Account shows Charged-Off but continues to update as active. 
Violation : Mixed reporting of charge-off and active status violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

Action Requested : Terminate account and delete charge-off notation. 
XXXX. XXXX XXXX XXXX Error : Account reflects both collection and charge-off simultaneously, with ongoing late payment updates. 
Violation : Dual reporting constitutes double jeopardy under FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ) ( false representation of debt status ).

Action Requested : Delete account entirely due to unverifiable and conflicting data. 
XXXX XXXX XXXX XXXX Error : 30-day late payment reported for XX/XX/XXXX despite account closure in XX/XX/XXXX. 
Violation : Reporting post-closure delinquency violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

Action Requested : Remove late payment and update to Closed Paid as Agreed. 
XXXX. XXXX XXXX XXXX : Late payment reported after closure and inaccurate balance reporting. 
Violation : Violates FCRA 607 ( b ) and FDCPA 807 ( 8 ) ( communication of false credit information ).

Action Requested : Remove late payment and correct closure data.

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