Consumer complaint received 2025-05-27 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 ( b ) Reporting Inaccuracies and Inconsistencies Balance vs. Chargeoff Conflict The account is reported as charged off and written off as a profit and loss, yet the full past due balance of {$2200.00} is still being reported. If the account was indeed charged off, the reporting should reflect the proper status of ownership ( e.g., sold, transferred, settled ) and should not continue showing as active and accruing past-due debt without clarification.

High Credit & Credit Limit Discrepancy Experian reports a {$0.00} High Credit, which contradicts the clear credit limit of {$1800.00} and balance of {$2200.00}. This discrepancy affects my utilization ratio and may mislead future creditors or scoring models.

Inconsistent Last Activity Dates The account shows Date of Last Payment : XX/XX/XXXX, yet also shows Date Last Active : XX/XX/XXXX. These dates contradict each other and require clarification particularly since no payment activity is reflected after XX/XX/XXXX. 
2. 1681i Lack of Reinvestigation of Previously Disputed Data If this account has been previously disputed and no changes were made despite these clear inconsistencies, it may represent a failure to conduct a reasonable reinvestigation as required under 1681i. The current status, timeline, and payment reporting are contradictory and potentially outdated. 
Account- XXXX  XXXX XXXX. XXXX ( b ) Inaccurate and Misleading Reporting A. Conflicting Open Date and Payment Activity Equifax reports the account opened on XX/XX/XXXX, but also lists : Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX This is a clear factual impossibility. A consumer can not make a payment or have any activity before the account is officially opened. This discrepancy renders the data unreliable and violates XXXX ( b ). 
B. Improper Reporting of Delinquency Status ( " Late 120 Days '' ) The account is designated as a collection account, yet is simultaneously reported as Late 120 Days. Once an account is placed into collections, it is no longer in a delinquency phase but instead a defaulted debt. This dual-status reporting is misleading and factually inaccurate. 
XXXX Contradictory OK Payment History The account payment history displays several OK indicators well into XXXX and XXXX which contradicts the reported derogatory collection status. A collection account can not also show a positive payment status ( OK ) at any point while being simultaneously listed as 120 days late and in collection. 
XXXX Missing Original Creditor Identification & Ownership Verification There is no clear identification of the original creditor, nor is there documentation of the chain of title for this debt. If XXXX is reporting a purchased account, Equifax must ensure the validity and accuracy of ownership before publishing derogatory data to my credit file. 
LEGAL DEMANDS & GROUNDS FOR DELETION XXXX. PROOF OF DEBT OWNERSHIP REQUIRED ( XXXX U.S.C. XXXX ( g ) ) XXXX XXXX XXXX XXXX. XXXX ( g ), if a debt is sold or transferred, the new owner must provide proper notification and proof of assignment. 
The original creditor has already been paid via securitization and no longer owns this account. 
If no legally admissible proof of ownership is provided, this account must be deleted immediately.

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