Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am filing this complaint to report multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to three collection accounts appearing on my credit reports from TransUnion, Equifax, and Experian. The details and violations are as follows : 1. I.C. System {$810.00} ( Original Creditor : XXXX XXXX XXXX Mobility ) The account is reported as Open by TransUnion but Closed by Experian, violating FCRA 623 ( a ) ( 1 ) ( A ) for inaccurate and inconsistent reporting.

The Date Opened and Date of Last Activity appear to have been re-aged to XXXX despite the debt originating much earlier, violating FCRA 605 ( c ). 
No full debt itemization or proof of debt has been provided. I formally request debt validation under FDCPA 809.

The original creditor is vaguely listed as XXXX XXXX XXXX XXXX Mobility '' without adequate account detail, which does not satisfy FDCPA 809 ( a ).

Violation : No original date of delinquency ( DOFD ) disclosed DOFD is required to calculate the 7-year limit for negative reporting ( FCRA 605 ( c ) ).

This date is missing from all three bureaus for this account.

Violation : Creditor listed as Other Collection Agencies Vague creditor labeling violates the transparency and specificity required under FDCPA 809 ( a ) and FCRA 609 ( a ).

2. Smith Rouchn / Lakeland Radiologists {$580.00} ( Medical Debt ) The account is Open on TransUnion but Closed on Equifax again violating FCRA 623 ( a ).

Both bureaus show the account as " Derogatory '' despite it being marked as disputed, and no updated resolution or reinvestigation has occurred ( FCRA 611 ( a ) ).

Dispute status is not properly communicated to all CRAs, violating FDCPA 807 ( 8 ).

If validation was requested, continued collection without verifying is a violation of FDCPA 809 ( b ).

If no payments have been made since 2021, this account may be nearing or past the 7-year reporting window, triggering FCRA 605 ( a ) concerns.

TransUnion includes language : Account information disputed by consumer, meets FCRA requirements.

Equifax says Consumer disputes this account information.

Yet both still report it as Derogatory, which is misleading under FDCPA 807 and FCRA 611 ( a ) ( 5 ) ( A ).

FCRA requires a full reinvestigation or a clear frivolous notice if not investigated none is noted.

Violation : No medical debt itemizationNo reference to service date, insurance payments, or amount breakdown violating transparency standards for medical debt after CFPB medical reporting guidance ( XXXX ).

3. Med Data Systems / Copiah County Medical Center {$990.00} ( Medical Debt ) TransUnion lists the account as Open, while Experian and Equifax list it as Closed, violating FCRA 623 ( a ).

No itemization of debt, original service date, or clear " Date of First Delinquency '' is provided ( FCRA 609 ).

Under the 2022 CFPB Medical Debt Reporting Rule, medical debt should not appear on credit reports unless unpaid for at least one year. This debt may have been reported prematurely.

No proof of debt has been provided despite ongoing reporting I request full debt validation ( FDCPA 809 ).

The account remains marked Derogatory even though it's disputed, without evidence of proper resolution or reinvestigation ( FCRA 611 ).

Violation : Multiple inconsistent Date Opened entries across bureaus Experian and Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX Suggests re-aging or data mismatch FCRA 623 ( a ) violation. 
Violation : Collecting and reporting without clear medical provider authorization If XXXX XXXX XXXX is a third-party collection agency, they must have clear authorization and itemization to report medical debts ( CFPB guidance, FDCPA 807 ).

Violation : Account reported as Derogatory despite dispute and possible insurance coverage If insurance was pending or paid later, reporting without waiting 1 year ( per CFPBs XXXX rule ) is unlawful. 
Theres a note : Subject has not satisfied debt, which may be misleading if insurance coverage exists or existed.

Global Violations Across All Accounts FCRA 605 ( c ) Failure to provide or use correct DOFD None of the accounts include a clear Date of First Delinquency, which is required to trigger the 7-year clock.

FDCPA 809 ( b ) No debt validation response prior to reporting If any collector reported to the bureaus before validating the debt upon request, that is a clear violation.

FDCPA 807 Misleading credit reporting Labeling disputed or unvalidated debts as Derogatory or Charged Off without full substantiation misleads other creditors and lenders.

FCRA 602 & 605B No consumer statement or investigation follow-up in conclusions Missing or inconsistent Date of First Delinquency ( all accounts ) Ongoing reporting of disputed accounts without flagging or resolution No itemization or proof of medical billing, despite CFPB medical debt guidance Mislabeling or lack of clarity about original creditor Unlawful third-party collection reporting without prior validation Failure to provide required information under FCRA 609 and FDCPA 809

Company response to consumer: Closed with explanation