Consumer complaint received 2025-10-18 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: GA

Complaint narrative:
This is a new and non-duplicate complaint based on newly reported evidence from my Experian credit file dated XX/XX/year>. Experian and XXXX XXXX XXXX have published new status and balance information including a Balance Updated XX/XX/year> and a {$3300.00} past-due entry that did not appear in my prior complaint filed XX/XX/year>. Because these updates occurred after my previous filing, this complaint presents new violations and must not be coded as a duplicate. 

This is also a new, non-duplicate complaint based on new evidence from my Experian credit file dated XX/XX/year>. On that date, Experian marked a XXXX XXXX XXXX XXXX ending in XXXX as Verified and Updated while reporting Account charged off / Never late, {$3800.00} written off, and {$3300.00} past due as of XX/XX/year>, with an original balance of {$32000.00}. The report also shows Balance Updated XX/XX/year>. 

This action demonstrates re-aging and continued inaccurate reporting during an active dispute. Experians own file wording, Verified and Updated, confirms they accepted and published new data instead of suppressing the tradeline while under dispute. 

I also maintain a separate XXXX account ( ending in XXXX ) that is open, active, and in good standing. I am not disputing that account and I am not requesting any re-investigation of it. Experian must not disturb or merge that positive account with this disputed one. 

It would be impossible for Experian to have legitimately verified any new balance or delinquency for the account ending in XXXX because : The vehicle tied to this account was declared a total loss and settled through insurance. 

I never signed or agreed to any new contract or post-settlement obligation. 

XXXX own file shows the tradeline listed as Account charged off / Never late. 

If an account is never late, it can not simultaneously show a {$3300.00} past due balance or a new high balance of {$32000.00}. This contradiction makes the verification invalid and constitutes status manipulation and re-aging. 

The current file dated XX/XX/year> clearly differs from my previous Experian report used in my prior CFPB complaint filed XX/XX/year>. The newly added Verified and Updated status, along with the fresh balance and date changes, makes this complaint new and distinct and not a duplicate. 

Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy.

FCRA 1681i ( a ) : Improper reinvestigation and continued publication during an active dispute. 

FCRA 1681s-2 ( a ) : Acceptance and reporting of information known or reasonably should be known to be inaccurate.

Metro 2 Standards : Prohibit re-aging and misrepresentation of Status Updated or Date of First Delinquency.

As a direct result of these false updates : I was denied an educational loan for my daughter. 

My insurance premiums increased due to Experian showing a potentially negative auto loan. 

I am a service-disabled XXXX XXXX XXXX veteran, and these continuing inaccuracies cause severe financial and emotional harm.

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