Consumer complaint received 2025-08-18 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: OH

Complaint narrative:
This complaint concerns multiple inaccurate, duplicative, misleading, and re-aged tradelines appearing on my Experian credit report. I have disputed these issues previously, but Experian continues to report them. Each tradeline below contains internal contradictions, duplications, or legally impermissible reporting. 

XXXX. XXXX XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX, reporting through XX/XX/XXXX ) Reports a balance of {$130000.00} while the original balance is only {$100000.00}. A balance can not legally exceed the original principal absent new loans. 

DOE is also reporting the same loan with a {$100000.00} balance, creating duplication and inflating my debt. 

Must be deleted or corrected to reflect accurate status. 

XXXX. XXXX XXXX ( XXXX tradelines, both opened XX/XX/XXXX, closed XX/XX/XXXX ) XXXX entry : Paid in settlement {$1200.00} written off. 

Second entry : Paid in settlement {$1000.00} written off. 

Both coded as XXXX in XX/XX/XXXX despite showing settled. A settled account can not also be charged off. 

Both list XXXX XXXX {$0.00}, which is impossible for a revolving credit card. 

These duplicate/contradictory entries can not be verified as accurate and must be deleted. 

XXXX. XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX, closed XX/XX/XXXX ) This account was paid and closed in good standing with a {$0.00} balance. However, Experian and TransUnion are inaccurately flagging the tradeline with derogatory/warning markers despite showing no late payments and 100 % on-time history. This is misleading and materially misrepresents my payment record. Under the Fair Credit Reporting Act ( FCRA ), reporting must be accurate and not misleading. This tradeline must be corrected to reflect a clean, positive payment historyor, if accuracy can not be ensured, deleted in full. 

XXXX. XXXX Bank ( opened XX/XX/XXXX, charged-off XX/XX/XXXX ) Charged off XX/XX/XXXX, yet Experian reports monthly charge-off codes into XXXX. 

Balance contradictions : Written off {$1400.00} vs. {$1400.00} still past due. 

This is re-aging and materially misleading. Must be deleted. 

XXXX. XXXX XXXX XXXX XXXX ( opened XX/XX/XXXX, charged-off XX/XX/XXXX, last payment XX/XX/XXXX ) Closed/charged-off in XXXX, yet Experian continues monthly XXXX codes in XXXX. 

Contradictory balances : {$720.00} charge-off vs. {$720.00} past due. 

Unlawful re-aging. Must be deleted. 

XXXX. XXXX XXXX XXXX XXXX ( multiple tradelines, XXXX ) XXXX separate NFCU accounts are reported. I never had multiple accounts with this lender. 

Examples : ( Opened XX/XX/XXXX, CO XX/XX/XXXX ) inflated balance {$5400.00} vs. {$4900.00} loan. Reports charge-offs through XXXX despite XXXX charge-off. 

( Opened XX/XX/XXXX, CO XX/XX/XXXX ) inflated balance {$4500.00} vs. {$4000.00} limit. Duplicate derogatory reporting through XXXX. 

( Opened XX/XX/XXXX, closed XX/XX/XXXX ) stale, highest balance {$5300.00} exceeds {$5000.00} limit. Not updated since XXXX. 

Reporting XXXX separate accounts, including duplicates and contradictions, violates FCRA XXXX ( b ). Unless Experian can produce original signed contracts for each account, they must be deleted in full. 

XXXX. XXXX XXXX XXXX XXXX ( multiple tradelines, XXXX ) Credit Card ( opened XX/XX/XXXX, closed XX/XX/XXXX ) shows late pays/charge-off despite Paid in settlement {$98.00} written off. Inconsistent and misleading. 

XXXX XXXX ( opened XX/XX/XXXX, closed XX/XX/XXXX ) paid/closed in good standing, yet reports XXXX months of late pays in XXXX inconsistent with closure. Misleading and inaccurate. 

Line of Credit ( opened XX/XX/XXXX, closed XX/XX/XXXX ) duplicative of other XXXX accounts, closed yet still reported as active. Creates false obligations. 

These tradelines are inaccurate and must be corrected or deleted. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX / XXXX ( opened XX/XX/XXXX, closed XXXX XXXX ) Duplicate of XXXX loan already reporting. 

Closed/Transferred XXXX XXXX with {$0.00} balance, but still appears as an active tradeline. 

Must be deleted. 

XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX ( {$570.00}, opened XXXX XXXX ) XXXX XXXX XXXX unit contents. Under UCC, liquidation of collateral satisfies the debt.

Reporting a balance after liquidation is double recovery and impermissible. 

Must be deleted. 

XXXX. XXXX XXXX XXXX XXXX XXXX ( {$260.00}, opened XX/XX/XXXX ) No valid debt agreement provided. 

Reports collection activity each month into XXXX despite no updates after XX/XX/XXXX. 

This is unlawful re-aging. 

No validation provided under FDCPA. 

Must be deleted.

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