Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing this complaint against Experian about inaccurate, incomplete, and misleading negative information on my Experian credit report dated around XX/XX/XXXX. 

Based on my records and dispute letters, the negative items on my Experian report include : XXXX. XXXX XXXX XXXX XXXX XXXX Balance {$520.00} Creditor : XXXX XXXX XXXX Account type : Revolving credit card Balance : {$520.00} Status : Charged off / profit and loss write-off Date opened : approximately XX/XX/XXXX Problems : The account is reported as a charge-off with an outstanding balance, but there is no XXXX-month payment history being shown. 
Important data such as the date of first delinquency and full payment history are missing, which makes the entry incomplete and potentially misleading. 
Without that information, the account does not meet the FCRA requirement for maximum possible accuracy. 

XXXX. XXXX XXXX / XXXX Overdraft / Line of Credit Balance {$200.00} Creditor : XXXX XXXX Account type : Overdraft / reserve checking / line of credit Balance : {$200.00} Limit : {$250.00} Status : Charged off as bad debt / account closed Date opened : XX/XX/XXXX Problems : The account is shown as charged off with XXXX % credit usage and a past-due amount of {$200.00}, but again no XXXX-month payment history is reported. 
Key information such as date of first delinquency and precise charge-off date appears incomplete. This makes the delinquency look worse and less clearly dated than it really is. 

XXXX. XXXX XXXX XXXX ( XXXX ) Collection Balance {$310.00} ( XXXX XXXX ) Collection agency : XXXX XXXX XXXX Original creditor : XXXX XXXX Balance : {$310.00} Status : Collection / Open Date opened/ placed for collection : XX/XX/XXXX Problems : Across my reports this account appears inconsistently ( sometimes as an open account, sometimes as a collection account, with various comment codes ), and no detailed payment history is reported. 
I have not received full validation from the collector, including the original contract with XXXX XXXX, proof of assignment, and an itemized accounting of the {$310.00} balance. 

XXXX. Hard Inquiry XXXX XX/XX/XXXX ( Experian ) Inquirer : XXXX Type : Hard inquiry Date of inquiry : XX/XX/XXXX I do not clearly recall authorizing a hard credit inquiry by XXXX on that date XXXX I am requesting proof that I gave proper authorization and that XXXX had a permissible purpose to access my Experian credit report. 



FCRA concerns and violations Under the Fair Credit Reporting Act ( FCRA ) : Experian must follow reasonable procedures to assure maximum possible accuracy of the information it reports ( 15 U.S.C. 1681e ( b ) ).

When I dispute items, Experian must conduct a reasonable reinvestigation and delete or correct information that is inaccurate, incomplete, or can not be verified ( 15 U.S.C. 1681i ).

For the hard inquiry, there must be a valid permissible purpose and proper authorization to access my credit report ( 15 U.S.C. 1681b ). 
Furnishers such as XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX have duties under 15 U.S.C. 1681s-2 not to furnish information they know or should know is inaccurate, and to correct or delete unverified information. 

The way Experian is currently reporting these tradelines ( no payment history, missing key dates, inconsistent collection coding ) and maintaining a hard inquiry whose authorization is in question does not meet the FCRA maximum possible accuracy standard and harms my ability to obtain fair credit.

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