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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian - Willful Violations of FCRA, XXXX XXXX, and Consumer Harm XXXX XXXX XXXX ) I am reporting specific, ongoing violations of federal law by both Experian and XXXX XXXX ( XXXX CARD ) regarding their credit reporting and dispute handling, as follows : How XXXX XXXX Violated Federal Law XXXX. Inaccurate and Deceptive Late Payment Reporting ( XXXX XXXX & FCRA 607 ( b ) ) My Experian credit report for XXXXXXXX XXXX ( Acct # XXXX ) shows illegal, non-consecutive late payment markers : 30 days late ( XX/XX/year> ), 60 days late ( XX/XX/year> ), then another 30 days late ( XX/XX/year> ) with gaps and missing months in between. 

By law ( FCRA 607 ( b ) and XXXX XXXX reporting standards ), all delinquency reporting must be continuous, accurate, and sequential. It is not possible for an account to go from current to XXXX, to XXXX, and then revert to XXXX with missing months. 

This pattern creates a materially misleading and inaccurate account statusdirectly harming my credit and violating Experian and XXXX XXXX legal duty under FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX. Failure to Block Fraudulent Identity Theft Account ( 605B ) I have provided both Experian and XXXX XXXX with a valid FTC Identity Theft Affidavit and a police report as required by FCRA 605B. This requires the credit bureau and furnisher to block/delete the fraudulent tradeline within XXXX business days. 

Despite these submissions, the XXXX CARD account remains on my report, unblocked and uncorrected, in violation of FCRA 605B.

3. Inadequate Investigation and Failure to Provide Method of Verification ( 611 ( a ), 611 ( a ) ( 7 ) ) I have disputed this tradeline ( documented with all required evidence ), but Experians responses close the dispute as Consumer disagrees without showing what investigation ( if any ) was done. 

Experian has never provided the required method of verification or documentary proof in response to my requests, violating my rights under 611 ( a ) ( 7 ).

4. Reporting Known False or Unverifiable Information ( 623 ( a ) ( 1 ) ( A ) ) By continuing to report this account after receiving my sworn identity theft and trafficking statusExperian and XXXX XXXX are knowingly or recklessly reporting false information. 

Why These Violations Are Serious and Require Escalation This type of reporting pattern creates a materially false and egregiously harmful recorddestroying my ability to obtain credit, housing, or even basic financial security. 

The lack of consecutive and continuous delinquency codes is expressly forbidden by federal XXXX XXXX standards and FCRAs maximum possible accuracy provision. 

I have suffered the loss of a {$480000.00} mortgage, housing instability, over {$20000.00} out of pocket, and ongoing trauma. 

Continued disregard for my statutory rights and failure to comply with multiple required corrections demonstrates willfulness, not mere negligence. 

Requested XXXX XXXX and permanent removal of the XXXX XXXX tradeline from all credit reports. 

Written certification of removal and evidence of compliance. 

Investigation and enforcement against Experian and XXXX XXXX for violation of FCRA 605B, 607 ( b ), 611 ( a ), 611 ( a ) ( 7 ), 623 ( a ) ( 1 ) ( A ) and their Metro 2 compliance obligations. 

Maximum civil penalties, damages, and injunctive relief under FCRA 616, 617.

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