Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This serves as a formal alert and legal notice that I am fully aware of the attempt to recycle and reintroduce a previously disputed, unverifiable, and deleted account through third-party reassignment or continued false reporting.

This is not speculation I am directly observing the continued reporting of this invalidated tradeline by TransUnion and Experian after it was removed by Equifax. The pattern is clear : the account was left open after charge-off, falsely reported as past due for nearly two years, and is now being positioned for potential reentry through another furnisher. I am putting you on record I see it, I understand what is being attempted, and I am documenting every step.

Any future appearance of this account under a different name, collector, or reference number after its deletion will be treated as illegal reinsertion and federal fraud, and I will pursue full statutory, punitive, and actual damages under the law.

You are now officially on notice. 

XXXX XXXX is attempting to hand this account off to a third-party to reintroduce it to my credit report in the event TransUnion or Experian also remove it. That is not just inappropriate it is illegal under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Once an item is removed due to inaccuracy or unverifiability, it can not be reinserted under another name or entity.

The practice of re-reporting or attempting to reintroduce previously disputed and removed data through assignment has already been deemed illegal. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the courts affirmed that reinserting removed or unverifiable data under a new name is a willful violation of the FCRA. 

XXXX XXXX XXXX  is willfully violating the Fair Credit Reporting Act by continuing to report and circulate an account that was already found to be inaccurate and unverifiable after multiple disputes. This account was charged off in XX/XX/XXXX, yet was left open and inaccurately reported as past due for nearly two years. It took multiple disputes over that period for two bureaus to finally close the account and only after exhausting my legal rights did Equifax remove it entirely. 

This extended misreporting was not a clerical error it was deliberate. The account was charged off in XXXX, meaning it was closed and written off. But XXXX XXXX continued reporting it as open and past due through XXXX and into XXXX. This violates 15 U.S.C. 1681e ( b ), which requires credit data to be maximally accurate. A charged-off account is, by definition, closed and can not remain open, active, or accrue past due balance STILL TODAY, The On Record Until dates between Experian and TransUnion are also inconsistent ( XX/XX/XXXX vs. XX/XX/XXXX ), despite this being the same debt. This violates the FCRAs requirement of maximum possible accuracy and demonstrates clear procedural breakdown across all reporting parties. 

You are each in direct violation of the following federal laws : 15 U.S.C. 1681e ( b ) : You failed to ensure maximum possible accuracy by reporting a charged-off, closed account as open and past due.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : You failed to conduct a lawful reinvestigation despite multiple disputes filed over two years.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : You continued to report and verify information that was deleted by Equifax due to being unverifiable.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : You knowingly furnished information you knew was inaccurate and unverifiable.

15 U.S.C. 1681s-2 ( b ) : After receiving notice of dispute, you failed to delete or correct the information as required.

15 U.S.C. 1681g ( a ) ( 1 ) ( B ) : You failed to provide proper verification or supporting documentation upon my legal request.

15 U.S.C. 1681c ( a ) ( 4 ) : You illegally re-aged the account, extending its reporting period past the lawful 7 years from the original delinquency.

15 U.S.C. 1692e ( 2 ) ( A ) : ( FDCPA ) You misrepresented the legal status of the debt by reporting it as collectible and currently past due.

15 U.S.C. 1692f : ( FDCPA ) Your actions constitute unfair and deceptive collection and reporting practices. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX to report known inaccurate data is a direct FCRA violation. 

XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX : Reporting an account as both charged off and past due is illegal and misleading. 

XXXX v. XXXX XXXX, XXXX XXXX XXXX : Repeated dispute with no meaningful reinvestigation is a violation of XXXX. 

XXXX v. XXXX XXXX, XXXX XXXX XXXX : Furnishers are liable when they fail to conduct proper reinvestigation. 

XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX : Leaving inaccurate data on a report after dispute is grounds for damages. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX correct but misleading info is still a violation. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX : A consumer XXXX recover for inaccurate credit reporting even without financial loss.

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