Consumer complaint received 2024-12-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Listed below are the Collections that are being challenged XXXX - XXXX Inaccuracies Identified Across Credit Bureaus Account Type XXXX XXXX XXXX and Experian report the account as " Open Account, '' which misrepresents the true nature of a collection account. XXXX omits this field entirely. 
Violation : This misclassification violates FCRA Section 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ], which requires furnishers to provide accurate information. Reporting a collection account as " Open Account '' misleads lenders and damages my credit profile.

1.Account Type Detail : XXXX and Experian classify the account as " XXXX '' or " Unknown - creditextension, review, or collection, '' while XXXX fails to provide this detail.

Violation : Omissions and vague classifications breach FCRA Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which mandates that consumer reporting agencies maintain maximum possible accuracy in their reports.

2.Bureau Code : Both XXXX and Experian list the account as " XXXX, '' which might not be accurate for a collection account. XXXX omits this field entirely. 
Violation : The failure to ensure consistency across bureaus violates XXXX XXXX Compliance Standards for reporting, undermining data accuracy as required under FCRA XXXX XXXX ( a ) ( 5 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ].

3.Monthly Payment XXXX : All bureaus incorrectly report a {$0.00} monthly payment. XXXX accounts typically do not have monthly payment structures, and this misrepresentation creates confusion. 
Violation : This reporting error violates FCRA Section 623 ( a ) ( 3 ) [ 15 U.S.C.

1681s-2 ( a ) ( 3 ) ], which requires that any reported information not be misleading.

4. 
XXXX. Date Opened XXXX : XXXX of XXXX XXXX and Experian report the account as opened on XX/XX/XXXX, which conflicts with Equifaxs own XXXX Date Last Active '' of XX/XX/XXXX. 
Violation : This discrepancy violates FCRA Section 623 ( a ) ( 1 ) ( B ) [ 15 U.S.C.

1681s-2 ( a ) ( 1 ) ( B ) ], which prohibits furnishers from reporting inaccurate account details. 
Balance XXXX : The balance is consistently reported as {$600.00} without proper validation or verification. 
Violation : The failure to verify the accuracy of the balance violates FCRA Section 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ], which requires reasonable investigation of disputed information.

6.Past Due XXXX : All bureaus report {$600.00} as past due, creating redundant and misleading data. 
Violation : Reporting inaccuracies in past due amounts violates FCRA Section 605 ( a ) [ 15 U.S.C. 1681c ( a ) ], which outlines permissible data that may appear in credit reports. 
7.Payment Status XXXX : XXXX lists the status XXXX " XXXX XXXX, '' while Experian lists " Coll/Chargeoff XXXX '' showing inconsistency in the account 's reporting. 
Violation : This lack of consistency violates XXXX XXXX Compliance Standards and FCRA Section 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], which requires accurate reporting of payment statuses. 
8.Last Reported Date XXXX : XXXX lists the last reported date as XX/XX/XXXX, while Experian lists XX/XX/XXXX, reflecting conflicting updates. 
Violation : This inconsistency violates FCRA Section 607 ( b ) [ 15 U.S.C.

1681e ( b ) ], which requires that credit reporting agencies maintain accurate and current information. 
9.Date Last Active XXXX : XXXX lists XX/XX/XXXX, while Experian reports XX/XX/XXXX. This significant discrepancy undermines the reliability of the accounts data. 
Violation : This failure to maintain uniform reporting violates FCRA XXXXction 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ]. 
10. Date of Last Payment XXXX : XXXX reports XX/XX/XXXX as the date of the last payment, but Experian leaves this field blank. 
Violation : The absence of this critical detail violates FCRA Section 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ].

11. XXXX of XXXX 7 Year History : XXXX indicates XXXX instances of 90-day delinquencies, while Experian shows none. XXXX does not provide any data. 
Violation : The failure to ensure consistent and accurate history data breaches FCRA Section 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ] and XXXX XXXX Standards, which require proper record maintenance. 
12.Comments XXXX : XXXX includes comments such as " Consumer disputes this account information, '' but the inaccuracies remain unresolved. 
Violation : This failure to correct disputed information violates FCRA Section 611 ( a ) ( 5 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ], which requires agencies to modify or delete inaccurate data.

13. XXXX includes comments such as " Consumer disputes this account information, '' but the inaccuracies remain unresolved.

Violation : This failure to correct disputed information violates FCRA Section 611 ( a ) ( 5 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ], which requires agencies to modify or delete inaccurate data DEMAND THIS ACCOUNT BE DELETED AFTER MONTHS OF DIPSUTES.

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