Consumer complaint received 2025-09-01 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: LA

Complaint narrative:
Upon reviewing my Experian credit report, I found that two charge-off accounts are being inaccurately reported. The first is a XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX with a charge-off date of XX/XX/XXXXXXXX  and a reported balance of {$1100.00}. The second is a XXXX XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX with a charge-off date of XX/XX/XXXXXXXX  and a reported balance of {$0.00}. Both accounts are being reported in ways that are misleading, damaging, and inconsistent with the Fair Credit Reporting Acts standards of accuracy, timeliness, and fairness. 

The XXXX XXXX account is egregiously outside of the allowable reporting period. The FCRA places strict limits on how long negative accounts such as charge-offs can remain on a consumers report, generally no longer than seven years from the date of first delinquency. Yet Experian continues to report this XXXX XXXX charge-off nearly two decades after the fact. This is not a clerical oversightit is a serious violation that keeps outdated derogatory information alive on my credit profile, misleading creditors and undermining my ability to access fair credit opportunities. 

The XXXXXXXX XXXX XXXX account, while showing a XXXX-dollar balance, is still misrepresented as a charge-off. A charge-off with a XXXX balance should no longer be presented in a way that implies current derogatory standing. The continued presence of this account in the charge-off category misleads lenders into thinking I have unresolved obligations when, in fact, there is nothing owed. Instead of reflecting accuracy, Experian is publishing data that paints an incomplete and unfair picture of my credit history. 

These reporting failures have caused me tangible harm. Lenders evaluating my creditworthiness are being presented with accounts that should either be long deleted or corrected to reflect an accurate and non-derogatory status. As a result, I am unfairly penalized in the form of higher interest rates, reduced credit opportunities, and unnecessary barriers to financial stability. Beyond the financial toll, the emotional burden of seeing obsolete and misleading accounts persist on my credit report is significant. It creates stress and frustration knowing that my efforts to move forward financially are being undermined by Experians refusal to comply with the law.

I have raised disputes on these matters, but Experian has responded in a dismissive, automated way, confirming information without conducting the meaningful reinvestigation the FCRA requires. Instead of correcting or deleting these inaccuracies, Experian has chosen convenience over compliance, leaving me no choice but to escalate the matter through the Consumer Financial Protection Bureau.

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