Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
This is a formal complaint against Experian Information Solutions Inc. for knowingly reporting inaccurate, incomplete, and misleading information on my credit file. 

The account in question is a XXXX XXXX XXXX collection account ( Account No. XXXX ), which XXXX XXXX purchased from XXXX XXXX. 

At the bottom of the report, Experian even states : Completed investigation of FCRA dispute consumer disagrees. 

Yet, upon review of the report itself, it is obvious that Experian did not conduct any legitimate reinvestigation as required under the Fair Credit Reporting Act. The errors, omissions, and contradictions are so blatant that no competent review could have verified this reporting as accurate. 

I am not requesting a correction. 
I am demanding full deletion of this account because it fails every accuracy and verification standard under the FCRA.

1. Violation of FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy The FCRA requires Experian to follow reasonable procedures to assure maximum possible accuracy of the information it reports.

The following errors show Experian did not follow those procedures : Missing and Contradictory Account Data Date Closed Not listed Charge-Off Amount Not listed Date of Last Payment Not listed Terms Incorrectly stated as 1 month ( impossible for a credit card ) Monthly Payment Blank Your Statement Blank These missing and contradictory fields make the record incomplete and unverifiable. 

Contradictory Status Updates The account is labeled a Collection Account but also shows the Status Updated as XX/XX/XXXX, while Balance Updated is listed as XX/XX/XXXX. 
This inconsistency means Experian is showing a five-year gap in reporting while simultaneously treating the account as if its still active in collections. 

False Payment History The payment grid shows C ( Collection ) in XXXX through XXXX, even though the Status Updated date is XX/XX/XXXX. 
There is no way a closed or inactive account can legitimately show new collection activity across five consecutive years. 
This error gives lenders the false impression that there has been ongoing delinquency or collection activity, when in fact the account has not changed since XXXX. 

No Verification of Balance Accuracy The Balance Updated line shows XX/XX/XXXX, but the amount remains {$920.00}, identical to the balance reported in XXXX. 
This update with no change in balance or status is meaningless and proves Experian mechanically re-reported the same data without any actual verification.

These errors violate 1681e ( b ) because Experian clearly did not follow reasonable procedures to ensure maximum possible accuracy.

2. Violation of FCRA 1681i ( a ) Failure to Conduct a Reasonable Reinvestigation Experians report states that an FCRA dispute investigation was completed, yet it is obvious from the data that no meaningful reinvestigation occurred.

Under 1681i ( a ), when a consumer disputes an item, Experian must conduct a reasonable reinvestigation and either correct or delete the item within 30 days.

Instead, Experian merely repeated the same inaccurate data without addressing or correcting any of the following : The account shows continuous collection codes ( C ) for five years, even though the account was last updated in XXXX. 

The account lists no payments, no charge-off date, and no close date, yet is still labeled Collection Account.

The Terms are listed as 1 Month, which makes no sense for a credit card debt. No rational reinvestigation could
have determined this data to be accurate.

In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court ruled that a credit bureau violates 1681i when it merely parrots information from the furnisher without conducting an independent investigation. That is precisely what Experian has done here.

3. Violation of FCRA 1681c ( a ) ( 4 ) & ( 5 ) Reporting Obsolete Information and Re-Aging The Date Opened is shown as XX/XX/XXXX, but this account clearly stems from a XXXX XXXX  charge-off that became delinquent long before that date. 

XXXX XXXX XXXX is a debt buyer, not the original creditor. When a debt is sold, the Date of First Delinquency ( DOFD ) does not reset. 
However, Experian is treating XX/XX/XXXX as the start of delinquency, which is illegal re-aging under 605 ( c ) of the FCRA. 

If this debt originated from XXXX XXXX  before XXXX, the seven-year reporting period must begin from that original date of delinquency not when the debt was purchased. 

Experians current reporting makes the debt appear newer than it really is, which unlawfully extends its time on my report.

4

. Violation of FCRA 1681c-2 Failure to Delete Unverifiable Information Experian is legally required to delete unverifiable information.

This report is riddled with blank fields, false activity dates, and contradictory data. 

The company itself claims : Completed investigation of FCRA dispute consumer disagrees. 

If Experian truly investigated, it would have discovered that the data from XXXX XXXX XXXX is incomplete, unverifiable, and misleading. Since it failed to do so, it is now knowingly continuing to publish unverifiable information in violation of XXXX81c-2.

5. Misleading and Deceptive Presentation of Account Data Even if parts of this information were technically true, Experians presentation of it is deceptive and materially misle
ading.

Collection account displayed as active for five years. 

XXXX updated shown in XXXX despite XXXX updated in XXXX. 

Terms listed as XXXX month, implying a short-term loan rather than a revolving credit line. 

Missing charge-off and payment data.

In Cortez v. Trans Union, 617 F.3d 688 ( 3d Cir. 2010 ), the court held that information can be considered inaccurate under the FCRA if it creates a misleading impression even if some details are technically true.

Experians layout and labeling of this tradeline are clearly misleading to creditors and potential lenders.

6. Supporting Case Law Federal courts have repeatedly found credit b
ureaus liable for exactly this kind of reporting negligence : Sloane v. Equifax Information Services LLC, 510 F.3d 495 ( 4th Cir. 2007 ) : Jury found Equifax willfully violated the FCRA for failing to ensure accuracy and correct erro
rs after notice.

Dennis v. BEH-1, LLC and Experian Information Solutions , Inc. , 520 F.3d 1066 ( 9th Cir. 2008 ) : Found Experian liable for continuing to report inaccurate information after notification of dispute.

Smith v. HireRight Solutions , Inc., 711 F. Supp. 2d 426 ( E.D. Pa. 2010 ) : Court ruled that omitting essential data and context constitutes inaccuracy under 1681e ( b ). 

These cases show that Experians actions or lack thereof fit a clear pattern of FCRA violations. 

7. Requested Resolution I am requesting the immediate and permanent deletion of the XXXX XXXX XXXX account ( Account No. XXXX ) from my Experian credit report. 

This information is unverifiable, incomplete, and misleading. A correction would not fix these structural inaccuracies. 
Only complete deletion will restore fairness and accuracy to my credit file.

8. Requested Action by the CFPB I respectfully request that the CFPB : Investigate Experians reinvestigation procedures to determine why false verified results are being issued.

Enforce compliance with FCRA accuracy and reinvestigation standards under federal law.

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