Consumer complaint received 2025-11-15 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX. 

Address : XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN Last XXXX : XXXX Report Date : XX/XX/XXXX Credit Bureau Involved : Experian XXXX of Complaint : Inaccurate credit reporting, failure to follow FCRA requirements SUMMARY OF ISSUE Experian is reporting multiple accounts and personal information items that are inaccurate, incomplete, contradictory, or legally unverifiable. These errors violate several provisions of the Fair Credit Reporting Act ( FCRA ) including : 15 USC 1681e ( b ) Duty to assure maximum accuracy 15 USC 1681i ( a ) Failure to reinvestigate disputed information 15 USC 1681s-2 ( a ) Furnishers reporting false/incomplete data 15 USC 1681c Prohibition on reporting improper or false information 15 USC 1681 ( a ) ( 2 ) Incomplete file information The inaccuracies below are damaging my credit, preventing approved credit access, and violate my rights as a consumer. 





DETAILED DESCRIPTION OF VIOLATIONS XXXX. XXXX XXXX Mortgage XXXX XXXX XXXX Experian is displaying impossible payment patterns, including delinquency decreasing from 60 days late down to 30 days late without any recorded payment, which can not occur. 

FCRA Violations 15 USC 1681e ( b ) 15 USC 1681i ( a ) 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 2. XXXX Credit Card XXXX XXXX XXXX Account XXXX XXXX late status followed by XXXX late months later, which is chronologically impossible. 
Experian also reports the account as open despite severe delinquency. 

FCRA Violations 15 USC 1681e ( b ) 15 USC 1681s-2 ( a ) 15 USC 1681i ( a ) XXXX. XXXXXXXX XXXX XXXX / XXXX XXXX XXXX XXXX and False Reporting Multiple issues include : Duplicate tradelines Never late status conflicting with payment entries Payment dates during deferment ( impossible ) Missing original creditor details Incorrect responsibility ( Signer ) designation Balance increases unsupported by documents FCRA Violations 15 USC 1681e ( b ) 15 USC 1681i ( a ) ( 1 ) ( A ) 15 USC 1681s-2 ( a ) ( 1 ) ( A ) 15 USC 1681c XXXX. XXXX XXXX XXXX XXXX XXXX XXXX This account shows continuous charge-off marks for multiple years after the account closed. 
A charged-off account can not continue generating new CO entries. 

FCRA Violations 15 USC 1681e ( b ) 15 USC 1681s-2 ( a ) 15 USC 1681c XXXX. XXXX XXXX Illegal Past-Due Balance After Charge-Off Experian reports : Charge-off amount : {$840.00} written off Past-due amount : {$490.00} ( impossible after charge-off ) The information is contradictory and legally invalid. 

FCRA Violations 15 USC 1681e ( b ) 15 USC 1681s-2 ( a ) ( 1 ) ( B ) 15 USC 1681c XXXX. XXXX XXXX University XXXX Account XXXX Account shows : Paid, Closed Written off {$2200.00} These statuses contradict each other and can not occur simultaneously. 

FCRA Violations 15 USC 1681e ( b ) 15 USC 1681i ( a ) XXXX. XXXX XXXX XXXX Dates Before Account Creation Experian is reporting collection activity months before the account was opened, making verification impossible. 

FCRA Violations 15 USC 1681e ( b ) 15 USC 1681s-2 ( a ) 15 USC 1681i ( a ) XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Experian reports collection marks prior to the accounts creation date. 
XXXX is unverifiable and contradictory. 

FCRA Violations 15 USC 1681e ( b ) 15 USC 1681s-2 ( a ) 15 USC 1681i ( a ) XXXX. Personal Information Errors Experian lists multiple incorrect identity elements : Incorrect employer spelling ( XXXX XXXX ) Outdated employer ( XXXX XXXX XXXX ) Identity errors violate accuracy requirements and contribute to mixed-file risk. 

FCRA Violations 15 USC 1681e ( b ) 15 USC 1681i

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