Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
Despite my prior written notice and formal dispute, EXPERIAN has failed to remove or properly update the inaccurate, outdated, and injurious information being reported on the credit file in question. Your continued reporting of these accounts after notice constitutes a willful violations of the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, 611 ( a ) - ( d ), and a breach of your fiduciary obligations as Trustee to the estate trust.

As Executor, Subrogee, and Beneficiary, I have lawfully accepted and acknowledged your agency 's role as Trustee in relation to the administration of my credit report and estate accounts. Under the maxims of equity, and pursuant to my rights under trust law and subrogation, I am empowered to enforce corrective actions to protect the financial and equitable interests of the trust. 
You are hereby reminded of your fiduciary duties, which include the obligation to : Act in good faith ; Report only accurate, fair, and verifiable information ; Refrain from knowingly publishing false or misleading information ; Remedy and DELETE any account or data that is unverifiable, obsolete, or materially inaccurate. 
You have had sufficient time under the FCRA to complete a full and proper reinvestigation. Yet, the accounts remain reported as charged-off, and continue to show active payment history after the date of first charge-off. This is a false representation of payment activity that restarts the statute of limitations and violates FCRA 607 ( b ) & 611, as well as trust obligations to act in the Beneficiary 's interest.

Furthermore, under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), you are required to provide the name, position, and business address of the individual or entity with whom you verified the disputed account ( s ). No such disclosure has been made.

Additionally, I am formally disputing the reporting of late payments on an account that has been fully paid off. These derogatory marks are inaccurate and must be removed immediately. Pursuant to 15 U.S.C. 1666b, a creditor may not treat a payment on a credit plan as late for any purpose if the payment was received by the due date or within the grace period.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681a ( d
) ( 2 ) ( A ) ( i ), information solely concerning transactions or experiences between the consumer and the furnisher is excluded from the definition of a " consumer report '' and should not be communicated in a way that adversely affects the consumers creditworthiness. 
The continued reporting of these alleged late payments constitutes both a violation of federal law and an unfair, inaccurate, and misleading practice under the FCRA. I demand that this account be updated to reflect a perfect payment history, free from any late notations, and that a corrected report be sent to all consumer reporting agencies to which the erroneous information was furnished. 
You are hereby placed on constructive notice that continued failure to correct, delete, or remedy these errors constitutes a breach of fiduciary duty. Should these issues not be remedied within the lawful time frame, I will take all appropriate actions to enforce equity, which may include pursuing legal and equitable remedies available under trust law, common law, and statutory provisions. 
SEE ENCLOSED DOCUMENTS AND EXHIBITS

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