Consumer complaint received 2025-03-12 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: IL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report maintained by [ XXXX XXXX XXXX The information reported by XXXX contains several errors that violate my rights under the Fair Credit Reporting Act ( FCRA ). The following discrepancies require immediate investigation and correction : 1. Incorrect Account Reporting : The account terms were 24 months, yet it was reported as closed within 4 months, which is inconsistent with standard reporting.

2. Missing Payment & Balance Information : The account does not display a final balance or accurate payment details, which violates 15 U.S.C. 1681e ( b ) ( requirement for maximum possible accuracy ).

3. Inconsistent Creditor Information : The listed name XXXX appears inaccurate or incomplete, which violates 15 U.S.C. 1681i ( a ), requiring a reinvestigation of potentially incorrect data.

4. Potentially Harmful Reporting After Closure : If the account was paid in full in XX/XX/XXXX, it should not negatively affect my credit score in XXXX, as outlined in 15 U.S.C. 1681s-2 ( b ) ( duty of furnishers to update information ).

I am writing to file a formal complaint regarding inaccuracies on my credit report that I have been unable to resolve through the standard dispute process. The issues pertain to two Secured Card accounts listed under XXXX XXXX XXXX. and XXXX XXXX XXXX XXXX which contain multiple errors : 1. Inaccurate Term for a Revolving Account Both accounts are reported as if they have a term ( e.g., 1 Month ), even though they are credit cards. This is misleading and violates the Fair Credit Reporting Acts requirement of maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ).

2. Incorrect or Unexplained Closed Status The XXXX XXXX account opened on XX/XX/XXXX, is marked Paid, Closed/Never Late as of XX/XX/XXXX, which I did not authorize. 
The XXXX XXXX  XXXX account XXXX on XX/XX/XXXX, is similarly listed as Paid, Closed, with a note stating it was Closed at credit grantors request. I did not request or consent to this closure. 
Under 15 U.S.C. 1681s-2, furnishers have a duty to provide accurate information, and this reporting appears to be incorrect.

3. Incomplete Data Critical fields such as credit limit, balance, and payment updates are missing or not clearly stated, hindering the accuracy of my credit report.

inaccuracies on my credit report that I have been unable to resolve through the standard dispute process. The issues pertain to two Secured Card accounts listed under XXXXXXXX XXXX, XXXX. and XXXX XXXX XXXX XXXX which contain multiple errors : 1. Inaccurate Term for a Revolving Account Both accounts are reported as if they have a term ( e.g., 1 Month ), even though they are credit cards. This is misleading and violates the Fair Credit Reporting Acts requirement of maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ).

2. Incorrect or Unexplained Closed Status The XXXX XXXX account opened on XX/XX/XXXX, is marked Paid, Closed/Never Late as of XX/XX/XXXX, which I did not authorize. 
The XXXX XXXX XXXX account opened on XX/XX/XXXX, is similarly listed as Paid, Closed, with a note stating it was Closed at credit grantors request. I did not request or consent to this closure. 
Under 15 U.S.C. 1681s-2, furnishers have a duty to provide accurate information, and this reporting appears to be incorrect.

3. Incomplete Data Critical fields such as credit limit, balance, and payment updates are missing or not clearly stated, hindering the accuracy of my credit report.

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