Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc., for grossly inaccurate, misleading, and unlawful reporting of my XXXXXXXX XXXX account ( XXXX XXXX  ending in XXXX ). 
The account was opened on XX/XX/XXXX with a credit limit of {$1500.00}. 
The account was charged off in XX/XX/XXXX, with {$1800.00} written off. 
Yet, as of XX/XX/XXXX, Experian is still reporting {$1900.00} past due and claiming the account remains delinquent as of XX/XX/XXXX. 

This reporting is factually impossible and legally indefensible. It creates a contradictory, deceptive, and damaging portrayal of my credit history. 

Contradictions in XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX debt that has been charged off is no longer an active account in repayment status. By definition, a charge-off means the creditor has recognized the debt as uncollectible and closed the account. 
Reporting the account as both charged off/written off and past due is a direct contradiction. It is impossible for the account to simultaneously be closed, written off, and still accruing delinquency XXXX years later. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Experian acknowledges the account was last updated in XX/XX/XXXX, yet shows a balance updated as of XX/XX/XXXX. 
This five-year gap with no true status change, but with a recent balance update, constitutes an illegal re-aging of debt, in violation of FCRA and CFPB guidelines. 
XXXX. Re-aging is Illegal The Federal Trade Commission ( FTC ) has clearly stated that re-aging debt to make it appear newer or more delinquent than it truly is, is unlawful. ( See FTC Staff Opinion Letters ; see also FCRA 623 ( a ) ( 5 ), 15 U.S.C. 1681s-2 ( a ) ( 5 ), which prohibits improper re-aging of delinquent accounts. ) Experians reporting falsely extends the life of this derogatory mark, keeping it on my credit longer than the legal XXXX years permitted under FCRA 605 ( a ), 15 U.S.C. 1681c ( a ). 

Legal Violations by Experian XXXX. FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Requires Experian to follow reasonable procedures to assure maximum possible accuracy. Reporting an account as both written off and still past due is a clear violation of this mandate. 
XXXX. FCRA 611 ( a ), 15 U.S.C. 1681i ( a ) : When a consumer disputes information, Experian must conduct a reasonable reinvestigation. If they fail to correct this contradictory reporting, it constitutes willful noncompliance. 
XXXX. FCRA 605 ( a ), 15 U.S.C. 1681c ( a ) : Limits negative information to XXXX  years. Re-aging this debt by updating it as past due in XXXX unlawfully extends its reporting period. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Court held that a XXXX must do more than a cursory reinvestigation; failing to correct contradictory reporting violates FCRA. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX : A XXXX reporting information in a misleading manner still violates FCRA, even if factually true. Here, Experians charge-off XXXX  past due combination is misleading and therefore unlawful. 

XXXX XXXX This false and unlawful reporting makes it appear as though I am in ongoing delinquency in XXXX, when in reality the account was resolved years ago. This has caused : Suppression of my credit score. 
Denials of credit applications. 
Higher interest rates. 
Damage to my reputation and credibility.

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