Consumer complaint received 2024-05-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (CA)

Based on the provided account information for XXXX from the credit report, the following data appears to be either incomplete or inconsistently reported between the three credit bureaus ( XXXX, Experian, and XXXX ) XXXX 1. **Monthly Payment : ** - XXXX XXXX {$45.00} - Experian : {$47.00} - XXXX XXXX {$47.00} - **Inconsistency : ** XXXX reports a different monthly payment amount compared to Experian and XXXX. 

2. **Date Opened : ** - XXXX XXXX XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date opened compared to Experian and XXXX. 

3. **Balance : ** - XXXX : {$1200.00} - Experian : {$1300.00} - XXXX XXXX {$1300.00} - **Inconsistency : ** XXXX reports a different balance compared to Experian and XXXX. 

4. **High Credit : ** - XXXX XXXX {$1200.00} - Experian : {$1300.00} - XXXX XXXX {$0.00} - **Inconsistency : ** Each bureau reports a different high credit amount. 

5. **Past Due : ** - XXXX : {$82.00} - Experian : {$120.00} - XXXX XXXX {$120.00} - **Inconsistency : ** XXXX reports a different past due amount compared to Experian and XXXX. 

6. **Payment Status : ** - XXXX : Late 30 Days - Experian : Late 60 Days - XXXX XXXX Late 60 Days - **Inconsistency : ** XXXX reports a different payment status compared to Experian and XXXX. 

7. **Last Reported : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Each bureau has a different date for last reported. 

8. **Date Last Active : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Each bureau has a different date last active. 

XXXX. **Date of Last Payment : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date of last payment compared to XXXX and Experian. 

10. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : No entry - Experian : XXXX - XXXX : No entry - **Inconsistency : ** Experian reports a 60-day late payment, while XXXX and XXXX have no entry XXXX 

11. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : XXXX - Experian : XXXX - XXXX : XXXX XXXX **Consistency : ** All bureaus report a XXXX late payment. 

XXXX. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : XXXX - Experian : XXXX - XXXX : XXXX XXXX **Consistency : ** All bureaus report a XXXX late payment. 
The inconsistencies in the credit report data suggest that there may be errors or updates needed in one or more of the credit bureau reports to ensure all information is accurate and consistent. 

Based on the provided account information for XXXX from the credit report, the following data appears to be either incomplete or inconsistently reported between the three credit bureaus ( XXXX, Experian, and XXXX ) XXXX XXXX. **Account Number : ** - XXXX XXXX XXXX - Experian : XXXX - XXXX : XXXX XXXX **Inconsistency : ** XXXX reports a truncated account number compared to Experian and XXXX. 

XXXX. **Date Opened : ** - XXXX XXXX XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date opened compared to Experian and XXXX. 

XXXX. XXXX XXXX : ** - XXXX XXXX {$2800.00} - Experian : {$2800.00} - XXXX XXXX {$0.00} - **Inconsistency : ** XXXX reports XXXX high credit of {$0.00}, while XXXX and Experian report {$2800.00}. 

XXXX. **Last Reported : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports XXXX different last reported date compared to XXXX and Experian. 

XXXX. **Date Last Active : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Experian reports a significantly earlier date last active compared to XXXX and XXXX. 

XXXX. **Date of Last Payment : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports XXXX different date of last payment compared to XXXX and Experian. 

XXXX. **Comments : ** - XXXX XXXX Dispute resolved ; reported by XXXX - Experian : Account was in dispute- now resolved - reported by subscriber. 
- XXXX : Charge - Amount in H/C column is credit limit - **Inconsistency : ** Comments differ between the bureaus, with XXXX and Experian XXXX dispute XXXX and XXXX providing different XXXX. 

XXXX. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : No entry - Experian : OK - XXXX : No XXXX - **Inconsistency : ** Experian reports " OK, '' while XXXX and XXXX have XXXX entry XXXX 

XXXX. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : OK - Experian : OK - XXXX : OK XXXX **Consistency : ** All bureaus report " OK. '' 10. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : XXXX - Experian : XXXX - XXXX : 30 - **Consistency : ** All bureaus report 30-day late payment.

The inconsistencies in the credit report data suggest that there may be errors or updates needed in one or more of the credit bureau reports to ensure all information is accurate and consistent. 
Based on the provided account information for XXXX XXXX from the credit report, the following data appears to be either incomplete or inconsistently reported between the three credit bureaus ( XXXX, Experian, and XXXX ) : XXXX. **Date Opened : ** - XXXX XXXX XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date opened compared to Experian and XXXX. 

XXXX. **No. of Months ( terms ) : ** - XXXX : XXXX - Experian : XXXX - XXXX : XXXX - **Inconsistency : ** XXXX XXXX " XXXX '' months, whereas XXXX and Experian report " XXXX '' months. 

XXXX. **Last Reported : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports XXXX different last reported date compared to XXXX and Experian. 

XXXX. **Date Last Active : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Experian reports a significantly earlier date last active compared to XXXX and XXXX. 

XXXX. **Date of Last Payment : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports XXXX different date of last payment compared to XXXX and Experian. 

XXXX. **Comments : ** - XXXX XXXX - - Experian : - - XXXX XXXX Auto, Fixed rate - **Inconsistency : ** XXXX provides XXXX comments that are not present in XXXX and Experian reports. 

XXXX. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : No entry - Experian : OK - XXXX : No XXXX - **Inconsistency : ** Experian reports " OK, '' while XXXX and XXXX have XXXX entry XXXX 

XXXX. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : OK - Experian : OK - XXXX : OK XXXX **Consistency : ** All XXXX report " OK. '' XXXX. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : OK - Experian : OK - XXXX : OK XXXX **Consistency : ** All XXXX report " OK. '' XXXX. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : XXXX - Experian : XXXX - XXXX : XXXX XXXX **Consistency : ** All bureaus report a 30-day late payment.

The inconsistencies in the credit report data suggest that there may be errors or updates needed in one or more of the credit bureau reports to ensure all information is accurate and consistent. 
Based on the provided account information forXX/XX/XXXX from the credit report, the following data appears to be either incomplete or inconsistently reported between the three credit bureaus ( XXXX, Experian, and XXXX ) : XXXX. **Account Number : ** - XXXX XXXX XXXX - Experian : XXXX - XXXX : XXXX XXXX **Inconsistency : ** The account numbers are reported differently across the bureaus, with XXXX and Experian reporting more XXXX than XXXX. 

XXXX. **Date Opened : ** - XXXX XXXX XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date opened compared to Experian and XXXX. 

XXXX. XXXX XXXX : ** - XXXX XXXX {$6100.00} - Experian : {$6100.00} - XXXX XXXX {$5500.00} - **Inconsistency : ** XXXX reports XXXX different high credit amount compared to XXXX and Experian. 

XXXX. **Credit Limit : ** - XXXX XXXX {$5500.00} - Experian : {$5500.00} - XXXX XXXX {$0.00} - **Inconsistency : ** XXXX reports XXXX credit limit of {$0.00}, while XXXX and Experian report {$5500.00}. 

XXXX. **Last Reported : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports XXXX different last reported date compared to XXXX and Experian. 

XXXX. **Date Last Active : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Each bureau reports a different date last active. 

XXXX. **Date of Last Payment : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports XXXX different date of last payment compared to XXXX and Experian. 

XXXX. **Comments : ** - XXXX : Canceled by credit grantor - Experian : Account has been closed due to inactivity. 
- XXXX : Accounts closed by credit grantor - **Inconsistency : ** Each bureau provides different comments regarding the account closure. 

The inconsistencies in the credit report data suggest that there may be errors or updates needed in one or more of the credit bureau reports to ensure all information is accurate and consistent. 
Based on the provided account information for XXXX from the credit report, the following data appears to be either incomplete or inconsistently reported between the three credit bureaus ( XXXX, Experian, and XXXX ) : XXXX. **Account Number : ** - XXXX XXXX XXXX - Experian : XXXX - XXXX : XXXX XXXX **Inconsistency : ** XXXX reports an extra hyphen before the account number compared to XXXX and Experian. 

XXXX. **Date Opened : ** - XXXX XXXX XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date opened compared to Experian and XXXX. 

XXXX. **No. of Months ( terms ) : ** - XXXX : XXXX - Experian : XXXX- XXXX : XXXX - **Inconsistency : ** Experian reports " XXXX '' month, whereas XXXX and XXXX report " XXXX '' months. 

XXXX. **Last Reported : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports XXXX different last reported date compared to XXXX and Experian. 

XXXX. **Date Last Active : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Each bureau reports a different date last active. 

XXXX. **Date of Last Payment : ** - XXXX : - - Experian : - - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports XXXX date of last payment, whereas XXXX and Experian do not provide this information. 

XXXX. **Comments : ** - XXXX : Canceled by credit grantor - Experian : Account has been closed due to inactivity. 
- XXXX : Accounts closed by credit grantor, Credit card - **Inconsistency : ** Each bureau provides different comments regarding the account closure. 

XXXX. **Two-Year Payment History : ** - **March XXXX : ** - XXXX : XXXX - Experian : XXXX - XXXX : XXXX - XXXX : ** All bureaus report " XXXX '' days late. 
- XXXX XXXX : ** - XXXX : XXXX - Experian : XXXX - XXXX XXXX XXXX - **Consistency : ** All bureaus report " XXXX '' days late. 
- XXXX XXXX : ** - XXXX XXXX XXXX - Experian : XXXX - XXXX XXXX XXXX - **Consistency : ** All bureaus report " XXXX '' days late. 
- XXXX XXXX - XX/XX/XXXX : ** - XXXX : OK - Experian : OK - XXXX XXXX OK - **Consistency : ** All XXXX report " OK. '' - XXXX XXXX : ** - XXXX : OK - Experian : OK - XXXX : OK - XXXX : ** All XXXX report " OK. '' - XXXX XXXX : ** - XXXX : OK - Experian : OK - XXXX : OK - **Consistency : ** XXXX XXXX report " OK. '' - XXXX XXXX : ** - XXXX : OK - Experian : OK - XXXX : XXXX - **Consistency : ** All XXXX report XXXX OK. '' - XXXX XXXX : ** - XXXX : OK - Experian : OK - XXXX : OK - **Consistency : ** All XXXX report " OK. '' The inconsistencies in the credit report data suggest that there may be errors or updates needed in one or more of the credit bureau reports to ensure all information is accurate and consistent.

Based on the provided account information for XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) from the credit report, the following data appears to be either incomplete or inconsistently reported between the three credit bureaus ( XXXX, Experian, and XXXX ) : XXXX. **Account Number : ** - XXXX XXXX XXXX - Experian : XXXX - XXXX : ( XXXX data ) - **Inconsistency : ** XXXX does not report XXXX account number. 

XXXX. **Account Type : ** - XXXX : XXXX - Experian : XXXX - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the account type. 

XXXX. **Account Type - Detail : ** - XXXX : Collection - Experian : Collection - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the account type detail. 

XXXX. XXXX XXXX : ** - XXXX XXXX XXXX - Experian : XXXX - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the bureau code. 

XXXX. XXXX XXXX : ** - XXXX XXXX XXXX - Experian : XXXX - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the account status. 

XXXX. **Monthly Payment : ** - XXXX XXXX - - Experian : - - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the monthly payment. 

XXXX. **Date Opened : ** - XXXX XXXX XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX and Experian have XXXX dates for when the account was opened ; XXXX does not report this information. 

XXXX. **Balance : ** - XXXX : {$1200.00} - Experian : {$1200.00} - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the balance. 

XXXX. **No. of Months ( terms ) : ** - XXXX : - - Experian : - - XXXX : ( missing data ) - **Inconsistency : ** XXXX XXXX not report the number of months ( terms ). 

XXXX. XXXX XXXX : ** - XXXX XXXX {$1200.00} - Experian : {$1200.00} - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the high credit. 

XXXX. **Credit Limit : ** - XXXX XXXX - - Experian : - - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the credit limit. 

XXXX. XXXX XXXX : ** - XXXX XXXX - - Experian : - - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the past due amount. 

XXXX. **Payment Status : ** - XXXX XXXX XXXX - Experian : XXXX - XXXX : ( missing data XXXX - **Inconsistency : ** XXXX does not report the payment XXXX. 

XXXX. **Last Reported : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the last reported date. 

XXXX. **Comments : ** - XXXX XXXX Dispute resolved ; customer disagrees - Experian : Subscriber reports dispute resolved - consumer disagrees. 
- XXXX : ( missing data ) - **Inconsistency : ** XXXX XXXX not report any comments. 

XXXX. **Date Last Active : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX and Experian report different dates last active ; XXXX does not report this information. 

XXXX. **Date of Last Payment : ** - XXXX : - - Experian : - - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the date of last payment. 

XXXX. **Two-Year Payment History : ** - XXXX : No data reported - Experian : No data reported - XXXX : No XXXX reported XXXX is missing XXXX data points compared to XXXX and Experian XXXX The discrepancies and missing data across the credit bureaus suggest the need for a thorough review and potential corrections to ensure accuracy and completeness. 
Based on the provided account information for XXXX from the credit report, the following data appears to be either incomplete or inconsistently reported between the XXXX credit bureaus ( XXXX, Experian, and XXXX ) : XXXX. **Account Number : ** - XXXX XXXX XXXX - Experian : XXXX - XXXX : XXXX XXXX **Inconsistency : ** XXXX includes a hyphen before XXXX account number, which might be an error. 

XXXX. **Account Type - Detail : ** - XXXX XXXX Credit Card - Experian : Credit Card - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the account type detail. 

XXXX. **Date Opened : ** - XXXX XXXX XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date ( XX/XX/XXXX ) compared to Experian and XXXX ( XX/XX/XXXX ). 

XXXX. **No. of Months ( terms ) : ** - XXXX : XXXX - Experian : XXXX- XXXX : XXXX - **Inconsistency : ** Experian reports 1 month, while XXXX and XXXX report 0 months. 

XXXX. XXXX XXXX : ** - XXXX XXXX {$6000.00} - Experian : {$6000.00} - XXXX XXXX {$0.00} - **Inconsistency : ** XXXX reports {$0.00} for high credit, which differs from XXXX and Experian ( {$6000.00} ). 

XXXX. **Last Reported : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports XXXX different last reported date ( XX/XX/XXXX ) compared to XXXX and Experian ( XX/XX/XXXX ). 

XXXX. **Comments : ** - XXXX : Charged off as bad debt - Experian : - Canceled by XXXX XXXX - Account has been closed due to inactivity - Account seriously past due date/account assigned to attorney, collection agency, or credit XXXX 's internal XXXX department - XXXX : - XXXX balance reported as a loss by the XXXX XXXX - Charged off account - Accounts closed by XXXX XXXX - XXXX : ** The comments vary significantly across the XXXX bureaus, with different details about the account status and actions taken. 

XXXX. **Date Last Active : ** - XXXX : XX/XX/XXXX - Experian : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** The dates last active differ among the bureaus ( XXXX : XX/XX/XXXX, Experian : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 

XXXX. **Date of Last Payment : ** - XXXX : ( missing data ) - Experian : ( missing data ) - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Only XXXX reports XXXX date of last payment ( XX/XX/XXXX ), while XXXX and Experian do not provide this information. 

XXXX. **Two-Year Payment History : ** - **Inconsistency : ** The payment histories reported differ : - *XX/XX/XXXX : ** No data provided. 
- **Experian : ** Consistently reports " CO '' ( Charge Off ) for every month.

- *XX/XX/XXXX: ** Reports " OK '' for most months but shows " 120 '' ( 120 days late ) in one month and " OK '' ( current ) in other months, which is inconsistent with a charge-off status. 

These inconsistencies indicate that the account information reported by the credit bureaus varies significantly and may require further investigation or correction to ensure accuracy.

Based on the provided account information for PORTFOLIO from the credit report, the following data appears to be either incomplete or inconsistently reported between the three credit bureaus ( XXXX, Experian, and XXXX ) : XXXX. **Account Number : ** - XXXX : ( missing data ) - Experian : ( missing data ) - XXXX XXXX XXXX XXXX **Inconsistency : ** Both XXXX and Experian are missing XXXX account number. 

XXXX. **Account Type : ** - XXXX : ( missing data ) - Experian : ( missing data ) - XXXX XXXX Open Account - **Inconsistency : ** Both XXXX and Experian are missing the account type. 

XXXX. **Account Type - Detail : ** - XXXX : ( missing data ) - Experian : ( missing data ) - XXXX XXXX Collection - **Inconsistency : ** Both XXXX and Experian are missing the account type detail. 

XXXX. XXXX XXXX : ** - XX/XX/XXXX: ( missing data ) - Experian : ( missing data ) - XXXX XXXX Individual - **Inconsistency : ** Both XXXX and Experian are missing the XXXX code. 

XXXX. **Account Status : ** - XXXX : ( missing data ) - Experian : ( missing data ) - XXXX XXXX Derogatory - **Inconsistency : ** Both XXXX and Experian are missing the account status. 

XXXX. **Monthly Payment : ** - XXXX : ( missing data ) - Experian : ( missing data )- XXXX XXXX {$0.00} - **Inconsistency : ** Both XXXX and Experian are missing the monthly payment. 

XXXX. **Date Opened : ** - XXXX : ( missing data ) - Experian : ( missing data )- XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Both XXXX and Experian are missing the date opened. 

XXXX. **Balance : ** - XXXX : ( missing data ) - Experian : ( missing data )- XXXX XXXX {$1200.00} - **Inconsistency : ** Both XXXX and Experian are missing the balance. 

XXXX. **No. of Months ( terms ) : ** - XXXX : ( missing data ) - Experian : ( missing data )- XXXX : XXXX - **Inconsistency : ** Both XXXX and Experian are missing the number of months ( terms ). 

XXXX. XXXX XXXX : ** - XXXX XXXX ( missing data ) - Experian : ( missing data )- XXXX XXXX {$1200.00} - **Inconsistency : ** Both XXXX and Experian are missing the high credit. 

XXXX. **Credit Limit : ** - XXXX : ( missing data ) - Experian : ( missing data )- XXXX XXXX {$0.00} - **Inconsistency : ** Both XXXX and Experian are missing the credit limit. 

XXXX. XXXX XXXX : ** - XXXX : ( missing data ) - Experian : ( missing data )- XXXX XXXX {$1200.00} - **Inconsistency : ** Both XXXX and Experian are missing the past due amount. 

XXXX. **Payment Status : ** - XXXX : ( missing data ) - Experian : ( missing data ) - XXXX XXXX Late 120 Days - **Inconsistency : ** Both XXXX and Experian are missing the payment status. 

XXXX. **Last Reported : ** - XXXX : ( missing data ) - Experian : ( missing data )- XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Both XXXX and Experian are missing the last reported date. 

XXXX. **Comments : ** - XXXX : ( missing data ) - Experian : ( missing data ) - XXXX XXXX - Consumer disputes after resolution - Collection account - **Inconsistency : ** Both XXXX and Experian are missing the comments. 

XXXX. **Date Last Active : ** - XXXX : ( missing data ) - Experian : ( missing data ) - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Both XXXX and Experian are missing the date last active. 

XXXX. **Date of Last Payment : ** - XXXX : ( missing data ) - Experian : ( missing data ) - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Both XXXX and Experian are missing the date of last payment. 

XXXX. **Two-Year Payment History : ** - XXXX : ( missing data ) - Experian : ( missing data ) - XXXX : - XX/XX/XXXX : OK - **Inconsistency : ** Both XXXX and Experian are missing the two-year payment history.

These inconsistencies indicate that the account information reported by the credit bureaus varies significantly and may require further investigation or correction to ensure accuracy.