Credit reporting or other personal consumer reports -- Improper use of your report -- Complaint #16684078
Complaint Overview
Complaint ID: 16684078
Company: Experian Information Solutions INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Improper use of your report
Sub-Issue: Reporting company used your report improperly
State: Maryland
ZIP Code: 208XX
Date Received: 2025-10-19T12:00:00-05:00
Date Sent to Company: 2025-10-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am formally disputing the accuracy and completeness of the above-referenced account reported on my Experian credit file. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2, and 1681c-2 ), I demand an immediate investigation and permanent deletion of this account from my report due to multiple violations outlined below. 1. Inaccurate and Conflicting Reporting The account history and status are inconsistent and contradictory. The report shows : A charge-off recorded in XX/XX/XXXX, While also showing a past-due balance of {$3300.00} as of XX/XX/XXXX, Yet lists no recent payment and fluctuating delinquency codes ( 60180 days late ) extending after the supposed charge-off date. Under FCRA 1681i ( a ) ( 1 ), Experian is required to ensure the accuracy of any information that is reported. Conflicting payment history and balance data indicate this account is being reported inaccurately and incompletely, rendering it legally unverifiable. 2. Violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) A furnisher ( in this case XXXX ) XXXX not report information it knows or has reasonable cause to believe is inaccurate. Reporting a balance after a charge-off, or updating the last activity date post-charge-off, violates federal reporting standards and inflates the accounts derogatory impact. XXXX. Improper Re-Aging / Date Manipulation The Date Opened ( XX/XX/XXXX ) and Charge-Off ( XX/XX/XXXX ) reflect a 9-month window, which is inconsistent with standard creditor practices and strongly suggests re-aging prohibited under the FCRA and the FDCPA ( 15 U.S.C. 1692e ( 8 ) ). Any manipulation of delinquency dates to extend reporting time constitutes willful misrepresentation of data. 4. Failure to Certify Verification If XXXX can not produce complete, verifiable documentation with my original wet-ink signature, account agreement, payment history, and legal proof of default, Experian is required under FCRA 1681i ( a ) ( 5 ) to delete this account from my file immediately.
Frequently Asked Questions
What is Complaint #16684078 about?
Complaint #16684078 was filed against Experian Information Solutions INC. regarding Credit reporting or other personal consumer reports specifically about Improper use of your report. It was received by the CFPB on 2025-10-19T12:00:00-05:00.
How did Experian Information Solutions INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Experian Information Solutions INC.?
Yes, visit the Experian Information Solutions INC. company profile at readthecomplaint.com/company/experian-information-solutions-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.