Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
I am formally disputing the following accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, and the Truth in Lending Act ( TILA ) 15 U.S.C. 1641 ( g ).

I have identified multiple legal violations regarding these accounts, and failure to correct these errors within 30 days will result in formal legal action against your agency for willful noncompliance.

ACCOUNTS IN DISPUTE : Account- XXXX  XXXX - XXXX 1. 1681e ( b ) Inaccurate and Misleading Reporting A. Conflicting Account Status and Payment Status The account status is listed as Paid, while the payment status shows Collection/Chargeoff. These classifications are mutually exclusive. If the account is paid and settled, it should not simultaneously reflect charge-off derogatory status.

B. Contradictory Comments and Payment Data The comments state : o Account legally paid in full for less than the full balance.

o Unpaid balance reported as a loss by credit grantor. o Account was in dispute now resolved. These conflicting remarks cause confusion about
the true status of the account paid in settlement or still considered a lossand raise concerns about accurate credit representation.

C. Payment History Reporting Conflict The Experian payment history reports a series of late statuses ( 30, 60, 90, 120, 150, and CO ), but also shows " OK '' payments in earlier months. If the account was charged off and settled, the transition from OK to charge-off should be verified for accuracy and consistency.

D. High Credit Value Listed as {$0.00} A revolving credit card account that was used and carried a balance can not accurately reflect {$0.00} as high credit. This suggests data may be incomplete or inaccurately furnished.

2. 1681i Failure to Properly Investigate Inaccuracies If I have previously disputed this account and the erroneous data persists, this may constitute a violation of 1681i ( a ), which mandates credit bureaus to conduct a reasonable reinvestigation and correct or delete unverifiable or inaccurate information.

Account- XXXX XXXX 1. Conflicting Account and Payment Statuses The account is reported as Paid while simultaneously being classified as Collection/Chargeoff in the payment status field. These terms are contradictory. A paid accountespecially one settledshould not continue to reflect derogatory chargeoff status.

2. Contradictory and Misleading Comments The comments show : o Account legally paid in full for less than the full balance.

o Paid charge off.

o Settlement accepted on this account.

These statements reflect that the account was settled, not left in default or chargeoff.

Continuing to display derogatory statuses such as " Collection/Chargeoff '' misrepresents the accounts final resolution and negatively impacts my creditworthiness. 3. Inaccurate Payment History
Experian displays continuous negative payment statuses ( 30, 60, 90, 120, 150, CO ), while Equifax shows a mix of OK and late statuses but no consistent or verifiable payment trend. This inconsistency raises concerns regarding the validity of the furnished payment history and whether the reporting agencies have fulfilled their duty to ensure accuracy.

4. High Credit and Credit Limit Discrepancies Experian reports the high credit as {$1800.00} and credit limit as {$0.00}, while TransUnion reflects {$1900.00} as high credit and {$1800.00} as the credit limit. These figures are inconsistent and misaligned, again suggesting inaccurate or incomplete reporting.

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