Consumer complaint received 2025-03-26 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: SC

Complaint narrative:
I previously filed a complaint against XXXX XXXX XXXX and XXXX & Experian for multiple FCRA & FDCPA violations, yet despite my request, the credit bureaus failed to correct the inaccurate information and instead closed my dispute without resolution.

This account remains in violation for the following reasons : Failure to Properly Validate the Debt ( FDCPA 809, FCRA 611 ( a ) ( 1 ) ( A ) ) The response I received simply stated that the account was " verified as reported, '' yet no actual validation documents were provided.

Under FDCPA 809, the furnisher ( Credence RM ) must provide documented proof of the debts validity, including an itemized breakdown of charges, original contract, and legal assignment of the debt.

The bureaus failed to investigate properly, violating FCRA 611 ( a ) ( 1 ) ( A ), which requires them to verify information with actual supporting documentation from the creditornot just accept a response from the furnisher.

Re-Aging of Debt ( FCRA 605 ( c ) ) The Last Activity date was wrongfully changed to extend the reporting period illegally.

Per FCRA 605 ( c ), a charge-off must be removed after 7 years from the original delinquency date, not from when the debt was sold to a new collector.

This illegal re-aging artificially extends the time this negative account remains on my report, which is a direct violation.

Duplicate and Misleading Reporting ( FCRA 605 ) The account is being reported under two different names ( " XXXX  XXXX  '' and " XXXX  XXXX  XXXX '' ), causing double damage to my credit. 

This constitutes inaccurate and misleading reporting, a clear violation of FCRA 605, which requires all information on a credit report to be accurate, complete, and not misleading.

Failure to Update Account Status Correctly ( FCRA 1681s-2 ( a ) ( 1 ) ) This charged-off account is still listed as " Open '', which is incorrect.

A collection account should never be reported as " Open '' because the original creditor has already written it off.

This misrepresentation is damaging my credit score unfairly and violating FCRA 1681s-2 ( a ) ( 1 ).

False Payment History Reporting ( FCRA 1681s-2 ( a ) ( 1 ) ) The account still reflects missed payments after charge-off, which is not legally accurate.

Once a debt is charged off, no further payments should be reported, yet late payments continue to be recorded, falsely lowering my credit score.

Failure to Provide a Properly Itemized Balance ( FDCPA 1692e ) The balance being reported ( {$2800.00} ) lacks proper breakdown or itemization.

FDCPA 1692e prohibits false or misleading representations, including misrepresenting the amount owed.

If interest and fees have been added unfairly, this debt amount is inaccurate and should be corrected or removed entirely.

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