Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
I am filing this blistering, urgent complaint against Experian for their outrageous, willful, and unconscionable violations of federal law in continuing to report the fraudulent XXXX XXXX XXXX account ( Account Number : XXXX ) on my credit report, as evidenced by a screenshot of my Experian credit report dated XX/XX/XXXX. I have been tirelessly disputing this account since XX/XX/XXXX, with disputes filed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and a third dispute letter sent to Experian on XX/XX/XXXX. I also submitted an FTC Identity Theft Report ( FTC Report Number : XXXX ) on XX/XX/XXXX, clearly proving this account is a result of identity theft. XXXX, another credit bureau, removed this account from my credit report on XX/XX/XXXX, acknowledging its fraudulent nature. Yet, Experians obstinate refusal to remove this account, despite overwhelming evidence and their continued re-aging of the debt as recently as XX/XX/XXXX, has caused me catastrophic financial harm, emotional distress, and a complete inability to establish or maintain credit. Experians actions are a blatant, egregious violation of multiple federal laws, and I demand the CFPB take immediate action to force Experian to remove this account, hold them accountable for their gross negligence, and compensate me for the irreparable damage they have caused. 

Experians reporting of the XXXX XXXX XXXX account is riddled with flagrant inaccuracies that have devastated my credit profile, as confirmed by the XX/XX/XXXX, screenshot : Fraudulent Account : This account, opened on XX/XX/XXXX, and closed in XX/XX/XXXX, is fraudulent. I discovered the fraud in XX/XX/XXXX, and the fraud began in XX/XX/XXXX, as documented in my FTC Identity Theft Report. XXXX removed this account from my credit report on XX/XX/XXXX, confirming its fraudulent nature, yet Experian continues to report it as mine, with a {$260.00} balance past due as of XX/XX/XXXX. 
Re-aging Violation : The account was closed in XX/XX/XXXX, yet Experian reports a {$260.00} balance as past due in XXXX XXXX years after closureconstituting illegal re-aging by making the debt appear more recent. This is a deliberate attempt to extend the negative impact on my credit report, as evidenced by the payment summary showing a charge-off ( CO ) status from XX/XX/XXXX to XX/XX/XXXX. 
Incorrect Payment History : The account shows late payments ( 30 days in XXXX XXXX, 60 days in XX/XX/XXXX and XXXX XXXX, 180 days in XXXX and XXXX XXXX ), which I did not make because I never opened or used this account. These false late payments have further tanked my credit score.

Misleading Status and Charge-Off : The account is marked as a charge-off with a {$390.00} original charge-off amount, despite being fraudulent. Experians own credit report ( dated XX/XX/XXXX ) notes a dispute investigation completeconsumer disagrees, yet they have failed to rectify this fraudulent entry. 
Repeated Reporting : The payment summary shows Experian reporting the charge-off status monthly from XX/XX/XXXX to XX/XX/XXXX, exacerbating the negative impact on my credit report in direct violation of FCRAs accurate reporting requirements. 
XXXX verification process is a sham, demonstrating a willful disregard for their legal obligations : I have disputed this account three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), yet Experian has failed to remove it or provide any credible evidence of verification. Their claim of verification in response to my disputes is baseless, as they have not provided any supporting documentation from XXXX XXXX XXXX to substantiate the accounts validity. 
Experian has refused to disclose how they verified this account with XXXX XXXX XXXX, despite my explicit requests for this information in my XX/XX/XXXX, dispute letter. This lack of transparency is a direct violation of my rights. 
XXXX removed this account from my credit report on XX/XX/XXXX, after reviewing my FTC Identity Theft Report and disputes. Experians refusal to follow suit, despite this clear precedent, shows a deliberate intent to harm me by keeping fraudulent information on my report. 
XXXX failure to block this information after receiving my FTC Identity Theft Report is a shocking display of negligence and non-compliance with federal law. 
Experians actions constitute multiple, egregious violations of federal law : Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) : Experian failed to conduct a reasonable reinvestigation within 30 days of my disputes, as required by law.

15 U.S. Code 1681i ( a ) ( 5 ) : Experian failed to delete unverifiable information. This account is fraudulent, as confirmed by XXXX removal, yet Experian has not provided evidence to verify its legitimacy. 
15 U.S. Code 1681i ( a ) ( 6 ) : Experian failed to provide a description of the reinvestigation process despite my repeated requests, a clear violation of my rights.

15 U.S. Code 1681c-2 : Experian failed to block information resulting from identity theft after receiving my FTC Identity Theft Report, an inexcusable breach of their legal duty.

15 U.S. Code 1681c : Experian engaged in illegal re-aging by updating the balance as past due in XX/XX/XXXX, despite the account being closed in XX/XX/XXXX, in direct violation of FCRA guidelines. 
15 U.S. Code 1681b ( 2 ) : Experian is reporting inaccurate information by continuing to list this fraudulent account, violating the FCRAs requirement for accuracy.

15 U.S. Code 1681b ( 5 ) : Experian lacks a permissible purpose to report this account, as it is fraudulent and unverifiable, making their reporting invalid.

Fair Credit Billing Act ( FCBA ) : Experian has failed to correct billing errors, such as the incorrect {$260.00} balance and charge-off status, despite my disputes, further compounding the harm. 
Truth in Lending Act ( TILA ) : By reporting a fraudulent account with an incorrect balance, re-aged status, and charge-off, Experian misrepresents the terms of credit, violating TILAs requirement for accurate disclosure.

Consumer Financial Protection Act ( CFPA ) : XXXX refusal to remove this account, their engagement in re-aging, and their lack of transparency in the verification process constitute unfair and deceptive practices, causing me substantial injury. 
Experians willful negligence has inflicted catastrophic harm on my life : My credit score has been utterly devastated, plummeting due to this fraudulent accounts presence, false late payments, and charge-off status. This has completely obliterated my ability to obtain credit, secure loans, or even rent a home, leaving me in financial ruin. 
I have been denied credit access repeatedly, forcing me to endure higher borrowing costs and financial instability, all because of Experians refusal to act.

The emotional distress caused by Experians actions is unbearableI have suffered severe anxiety, frustration, and sleepless nights, knowing that a fraudulent account continues to destroy my financial future while Experian does nothing.

I have spent countless hourshundreds, in factdisputing this account, gathering evidence, and filing complaints, all while Experian ignores my pleas and violates my rights. This has diverted time and resources from my personal and professional life, leaving me exhausted and hopeless. 
XXXX Removal : XXXX removed this account from my credit report on XX/XX/XXXX, after reviewing my disputes and FTC Identity Theft Report, confirming that the account is fraudulent. Experians refusal to follow suit is indefensible. 
FTC Identity Theft Report : My FTC Identity Theft Report ( FTC Report Number : XXXX ), filed on XX/XX/XXXX, clearly documents the fraudulent nature of this account, yet Experian has ignored this evidence. 
Prior Disputes : I have disputed this account with Experian three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), and my XX/XX/XXXX, dispute letter explicitly demanded proof of verification, which Experian has failed to provide. 
Experians actions are not mere oversightsthey are deliberate, malicious, and predatory, designed to keep fraudulent information on my credit report to my detriment. They have ignored clear evidence of fraud, flouted federal law, and caused me irreparable harm. I will not stand for this injustice any longer. The CFPB must act swiftly to force Experian to remove this account, hold them accountable for their violations, and ensure they compensate me for the devastation they have caused. If Experian does not comply immediately, I will pursue every legal avenue available, including a federal lawsuit, to protect my rights and seek justice.

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