Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Inaccurate Reporting of Ally Financial Auto Loan Request for Investigation and Deletion I am submitting this complaint regarding an auto loan reported by Ally Financial on my credit reports. The account has several inconsistencies and reporting errors across the credit bureaus that violate my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically : Conflicting Date Opened : TransUnion reports XX/XX/XXXX, while Experian and Equifax report XX/XX/XXXX. 

Inaccurate High Credit : Equifax lists {$1300.00} instead of the true original loan amount of {$29000.00}. 

Inconsistent Date of Last Payment : Experian & TransUnion show XX/XX/XXXX ; Equifax reports XX/XX/XXXX. 

Improper OK Payment History : Equifax shows on-time payments even after the account was charged off, which is misleading and inaccurate. 

Different Last Active Dates, creating confusion over account status and timeline. 

These errors violate FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). I have already disputed these items with the bureaus, but no proper reinvestigation occurred. I request the Consumer Financial Protection Bureau to compel XXXX XXXX and the credit bureaus to either correct these discrepancies or remove the account from my report entirely, as it can not be verified accurately and consistently. 

Thank you for your attention to this matter. 

INACCURACIES & FCRA VIOLATIONS 1. Inconsistent Date Opened FCRA XXXX ( b ) Furnishers must ensure maximum possible accuracy. 

TransUnion reports XX/XX/XXXX. 

Experian & Equifax report XX/XX/XXXX. 

This inconsistency alone can trigger a reinvestigation. 

2. Mismatch in High Credit Experian & TransUnion show {$29000.00}, but Equifax lists {$1300.00}, which is the current charged-off balance, not the original loan amount. 

This may cause score suppression and violates FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate data.

3. Inconsistent Date of Last Payment TransUnion & Experian show XX/XX/XXXX, but Equifax shows XX/XX/XXXX. 

Conflicts in payment dates directly affect charge-off timelines, aging, and credit scoring models. 

Violates FCRA XXXX ( a ) ( XXXX ) Duty to correct and update information. 

XXXX. Payment History Conflicts After Charge-Off All bureaus mark the account as charge-off, yet Equifax continues to report XXXX OK '' ( paid as agreed ) history up through XX/XX/XXXX. 

An account in charge-off status can not legally be reported as " OK '' afterward. 

This is inaccurate and misleading under FCRA 607 ( b ) and has legal precedence in cases like XXXX v. XXXX XXXX XXXX XXXX. 

XXXX. Date Last Active Conflicts TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Inconsistent activity dates across bureaus, another 607 ( b ) violation.

* I AM SEEKING DAMAGES FOR EACH VIOLATION OR AN AMOUNT THAT SATISFY MY NEEDS AND THE EMBARRASSMENT OF THIS TYPE OF REPORTING. BANKS ARE DEPENDENT UPON FAIR CREDIT 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