Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Issue : Inaccurate and inconsistent reporting of closed/charged-off account by Experian, and late payments.. 

Complaint Details : XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) continues to appear on my Experian credit report, reported as Closed / Charge-off with a balance of {$1400.00}. This account has already been removed from both XXXX  and XXXX, proving that it is inconsistent and unverifiable across the three bureaus. 
Experians reporting contains multiple inaccuracies and violations of the Fair Credit Reporting Act ( FCRA ) : The account is reported as Closed / Charge-off, yet still reflects an active balance of {$1400.00}. A true charge-off account should either list {$0.00} if sold/assigned or show transferred. This is contradictory and misleading. 
The account was opened in XX/XX/XXXX and closed in XX/XX/XXXX, but Experian continues updating it as of XX/XX/XXXX. This is an improper re-aging of the account, making it appear newer and more damaging than it actually is. 
The two-year payment history only shows repeated CO entries without a complete payment sequence leading to default. This is incomplete reporting and makes the derogatory unverifiable. 
Experian lists the dispute status as Dispute resolved consumer disagrees but still reports the account negatively without providing certification of accuracy. If the account has been disputed, Experian must either verify with documentation or delete it. 
Experian reports multiple late-payment severities ( XXXX, XXXX, XXXX ), while XXXX  and XXXX  report none. This inconsistency proves the delinquency data is unreliable. 

XXXX Bank ( Account # XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX  Experian continues to report XXXX Bank ( Account # XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  two late payments remaining from XXXX, even after three late entries were previously removed as inaccurate. The presence of these remaining lates continues to cause unfair damage to my credit standing and demonstrates further reporting inconsistencies. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( EXPERIAN ) XXXX XXXX Inconsistent Bureau Reporting : Deleted from TransUnion and Equifax but still reporting on Experian. 
If two national bureaus could not verify the account, Experian can not continue to report it as accurate. 
Balance vs. Status Conflict : Reported as Closed / Charge-off but still shows a balance of {$1400.00}. 
A closed charge-off account should either show {$0.00} balance or be marked transferred/sold. 
Reporting both a closed/charge-off status and an active balance is contradictory and misleading. 
Re-Aging of Account : Date Opened : XX/XX/XXXX Closed Date : XX/XX/XXXX Last Verified / Reported : XX/XX/XXXX Updating the file into XXXX makes the account appear newer than it is, unlawfully extending the derogatory beyond the 7-year FCRA reporting period. 
Incomplete Payment History : Experian lists repeated CO entries across months without showing the full payment sequence leading to default. 
Both XXXX  and XXXX  show no payment history, proving Experians reporting is inconsistent and unverifiable. 
Contradictory Dispute Status : Experian lists Dispute resolved consumer disagrees, yet still reports the account negatively without proper documentation. 
If an account is disputed, Experian must either provide certified verification or delete it not continue to report in this contradictory way. 
Inflated Delinquency Reporting : Experian shows multiple late payment severities ( XXXX, XXXX, XXXX lates ) in its 7-year history. 
These inflated derogatories are not documented by other bureaus, making the delinquency history unverifiable. 












XXXX BANK XXXXXXXX XXXX XXXX XXXX XXXX  ( XXXX  & EXPERIAN ) XXXX XXXX Inconsistent Bureau Reporting : Three of five previously reported late payments were deleted, yet two remain ( XXXX XXXX XXXX days late, and XXXX XXXX XXXX  days late ). 
The selective removal of some lates but not others demonstrates inconsistency and suggests unverifiable reporting. 
Improper Late Payment Sequences : XX/XX/XXXX late and XX/XX/XXXX late both appear as isolated single-month delinquencies, surrounded by OK statuses. 
A true XXXX late requires a full billing cycle of non-payment. Isolated one-month delinquencies without proper continuity are inconsistent with standard reporting. 
Conflicting Status Language : Experian describes the account as Current, was past due 30 days two times, while XXXX  simply lists Pays as agreed with two lates marked. 
This inconsistent language across bureaus proves the data is not being uniformly verified. 
Missing Past-Due Amounts : Reports reflect {$27.00} as the scheduled payment but do not show the actual past-due balances that triggered the alleged lates. 
Without the past-due amounts, these late entries are incomplete and unverifiable.

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