Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This complaint concerns a series of inaccurate, misleading, and legally questionable credit reporting and debt collection practices related to an account listed as XXXX XXXX  XXXX Acct # : XXXX ) and its reporting on my Experian credit file. 

Despite submitting a dispute through Experian, I received a response on XX/XX/XXXX, stating the information was verified as accurate, but no explanation or documentation was providedwhile conflicting data remains on my report. Additionally, I received a collection notice directly from XXXX contradicting the current status of the account on file. 



Key Discrepancies and Legal Violations : A. Discrepancies in Experian Credit Report ( Before and After Update ) XXXX. Collection Status Date Conflict : Report originally listed Collection status as starting XX/XX/XXXX Updated report now says collections began XX/XX/XXXX This is a form of re-aging, which is prohibited under FCRA 623 ( a ) ( 5 ) 2. Contradictory Status Updated Fields : Previously listed as XX/XX/XXXX Now showing XX/XX/XXXX This impacts the 7-year reporting limit and appears intentionally misleading 3. Balance and Highest Balance Conflicts : Balance is listed as {$2400.00} Original and highest balance elsewhere is reported as {$1700.00} Experian is reporting credit usage at 138 % on a charged-off line of creditfalsely impacting my utilization ratio XXXX. Dual-Status Reporting : Account simultaneously marked as delinquent and in collections Payment history shows Current in XXXX XXXX, then late in XXXX, then collection starting Novdouble-penalizing XXXX. Comments and Data Inconsistencies : XXXX report had a Credit line suspended commentnow removed Terms field left blank while balance continued to grow XXXX. Conflicts Between XXXX XXXX and Experian XXXX XXXX. XXXX XXXX XXXX ( Dated XX/XX/XXXX ) states : This is a final notice. If no arrangement is made by XX/XX/XXXX, the account will be sold to a third party. 
But Experian already shows the account as charged-off and in collections since XX/XX/XXXX This shows conflicting representations of ownership and status XXXX. Account Numbers Differ : Credit report lists : XXXX Email lists a loan number and a different account number ( XXXX ) raising questions of identity, account consolidation, or inaccurate matching XXXX. Violation of Fair Debt Collection and Credit Reporting Laws : XXXX is attempting to collect or assign a sold debt Experian is verifying this misreporting without performing a lawful reinvestigation under FCRA 611 Complaint Summary : This complaint is based on the repeated, willful furnishing and verification of inaccurate, incomplete, and conflicting account information by XXXX XXXX  XXXX and Experians failure to correct it. The Experian dispute result dated XX/XX/XXXX, stated the data was verified as accurate despite clear inconsistenciesviolating my rights under the Fair Credit Reporting Act ( FCRA ). 

Additionally, a collection notice from XXXX contradicts the reported status, suggesting continued ownership and pending sale, despite Experian marking the account as already in collections since XX/XX/XXXX. 



Violations and Penalty Breakdown Violations by XXXX ( XXXX ) : 1. FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing inaccurate or incomplete information Reporting conflicting status, balance, and collection dates Penalty : {$1000.00} per violation Total : {$3000.00} ( status, balance, usage ) 2. FCRA 623 ( a ) ( 5 ) : Re-aging of delinquent debt Retroactively marking collection activity from XXXX back to XX/XX/XXXX XXXX : {$1000.00} 3. FDCPA 807 ( 2 ) ( A ) : Misrepresentation of debt status Stating account will be sold, while reporting its already charged-off and in collections Penalty : {$1000.00} 4. FDCPA 808 ( 1 ) : Attempting to collect unlawful amounts Balance inflated beyond original credit limit without explanation Penalty : {$1000.00} Violations by Experian ( CRA ) : 1. FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation Verified as accurate without resolving clearly contradictory information Penalty : {$1000.00} 2. FCRA 607 ( b ) : Failure to maintain reasonable procedures to ensure accuracy Accepted conflicting balance, credit usage, and timeline data PenaltXXXX XXXX XXXX Total Statutory Damages Requested : {$8000.00} This includes {$6000.00} for the six distinct FCRA/FDCPA violations, plus an additional {$2000.00} in actual damages due to : Denied or unfavorable credit offers Harm to credit profile Emotional distress and time spent on repeated disputes Supporting Evidence Includes : XXXX final notice email stating an upcoming sale ( dated XX/XX/XXXX ) Screenshots of Experian credit reports before and after XX/XX/XXXX, showing : Conflicting status update dates ( XXXXXXXX XXXX XXXXXX/XX/XXXX ) Balance exceeding original and highest balance Re-aged collection entries Improper reporting of XXXX XXXX credit usage Account marked both delinquent and in collections Relief Requested : I am requesting that the account be completely removed from my credit report. 

Due to the continued inconsistencies, inaccurate reporting, and lack of accountability by both XXXX and Experian, this account has become a persistent source of credit damage. The constant changes in status dates, payment history, and balance figuresalong with conflicting collection activity and usage reportinghave had a direct and adverse impact on my creditworthiness. 

As a consumer, I should not be subjected to repeated harm caused by : A credit bureau that marks inaccurate data as verified without a formal or independent investigation. 
A creditor ( XXXX ) that knowingly provides false, outdated, or misleading information and refuses to correct it. 

Experians decision to verify the account while the report still contains false data amounts to knowingly publishing fraudulent and inaccurate information. XXXX failure to provide accurate data and its misleading communications about the ownership and collection status of the account are deceptive and damaging. 

Therefore, I am demanding : Complete deletion of the account from all credit bureaus A full explanation and documentation of the verification process Assurance that no further re-reporting will occur Statutory damages of {$8000.00}, plus any additional relief deemed appropriate by the CFPB

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