Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
This complaint constitutes my formal second dispute and a demand for the immediate deletion of the account with XXXX XXXX XXXX, account number- XXXX, from all credit bureaus to which you have reported it. I am in receipt of your response to my initial CFPB complaint with complaint number XXXX, which fails to address the material inaccuracies in your reporting and instead confirms your non-compliance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
Your response claims your reporting is accurate, but a direct comparison with the data from the original creditor, XXXX XXXX XXXX, as reported on my Experian credit file reveals irreconcilable and illegal discrepancies. 
XXXX. XXXX XXXX of the Debt 's Character and History.

Your reporting creates a " false, deceptive, or misleading representation of the character ... of the debt '' in violation of 15 U.S.C. 1692e of the FDCPA. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The auto loan was opened on XX/XX/XXXX. 
XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX ) : You report the account as " Date Opened : XX/XX/XXXX ''. 
By reporting a " Date Opened '' of XX/XX/XXXX, you are grossly misrepresenting the history of this account. You did not extend me credit in XXXX ; you purchased a defaulted debt. Reporting it as a new account opened in XXXX is factually false and misleads any creditor reviewing my report into believing I recently took on new debt, which is severely damaging. The Metro 2 guidelines do not require you to report false information ; you are to report the original account opening date or the date the account was assigned to you, but in a manner that does not misrepresent the account 's age and history.

2. Fabrication of the " Date of First Delinquency '' and Contradiction of Charge-Off Status.

Your reporting of the " Date of First Delinquency '' is arbitrary, unverified, and contradicts the payment history you inherited, violating your duty to report accurate information under 15 U.S.C. 1681s-2 ( b ). 
XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX XXXX ) : Shows the account was XXXX  days past due in XX/XX/XXXX and XX/XX/XXXX. The severe delinquency that led to charge-off began here. The account was charged off ( CO ) in XX/XX/XXXXXXXX XXXX Claim : You state you reported XX/XX/XXXX, as the date of first delinquency. 
There is no evidence on the original creditor 's payment history to support this specific " XX/XX/XXXX '' date. The consistent XXXX late payments starting in XX/XX/XXXX indicate a delinquency that began earlier. This arbitrary date appears to be an attempt to re-age the debt or is simply unsubstantiated. The FCRA requires you to report based on facts provided by the original creditor, not to invent dates.

3. False Representation of the Debt 's Amount.

You are reporting a balance that is not justified by the original creditor 's records and does not account for the legal reality of the charged-off collateral, violating 15 U.S.C. 1692e ( 2 ) ( A ), which prohibits the " false representation of ... the amount of the debt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The account was charged off. The balance history shows a balance of {$20000.00} as of XX/XX/XXXX, with a " written off '' amount of {$19000.00}. 
XXXX XXXX XXXXXXXX ( XXXX XXXX ) : You are reporting a balance of {$15000.00}. 
You have provided no accounting to explain this {$5900.00} discrepancy. The original creditor was secured ; the vehicle was repossessed and sold at auction. The " deficiency balance '' you claim to have purchased must be a calculated amount based on the sale price. You have not provided this calculation, and the random nature of the {$15000.00} balance, which does not match XXXXXXXX XXXX final reported balance, indicates it is not verified or accurate. 
Formal Demand for Deletion and Notice of Intent to Sue Your reporting is riddled with specific, material inaccuracies that make it impossible to verify the true character, amount, or legal status of this debt. Your duty under the FCRA is not merely to " verify '' with your internal notes, but to conduct a reasonable investigation that resolves these contradictions. You can not do so because your data is inherently flawed. 
Therefore, I demand that you immediately : -Permanently delete this account in its entirety from all credit reporting agencies ( Experian, XXXX XXXX and TransUnion ). 
-Cease all collection activities on this unverifiable debt. 
If you fail to comply with this demand and delete this account, I will not hesitate to file a lawsuit against XXXX XXXX XXXX XXXX XXXX for willful non-compliance with the FCRA ( 15 U.S.C. 1681n ) and for violations of the FDCPA ( 15 U.S.C. 1692k ). I will seek statutory damages, actual damages, and attorney 's fees. 

This is my final attempt to resolve this matter amicably. All future communication should be sent in through the cfpb or by email at XXXX please refrain from sending me letters in the mail or calling any numbers you have on file for me.

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