Consumer complaint received 2025-02-03 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:
I am writing to formally file a complaint against Experian for their improper investigation of my credit report disputes and their continued reporting of inaccurate, unverified, and conflicting information. Despite my detailed dispute efforts, XXXX has failed to address or correct these errors, causing significant harm to my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Specific Inaccuracies in My Experian Credit Report : 1. XXXX XXXX XXXXXXXX ( Account Ending XXXX ) : Account Status and Remarks : The account is marked as Charge-off with redundant remarks stating, Unpaid Balance Reported as a Loss by Credit Grantor . The charge-off status inherently indicates such a loss, making the additional remark unnecessary and potentially misleading. 
Late Payment History Reporting : The report lists XXXX ( XX/XX/XXXXXXXX XXXX XXXX ) ; however, detailed payment history is absent, hindering my ability to verify these claims. 
Conflicting Last Activity Dates : The last activity is inconsistently reported as XX/XX/XXXX, and XX/XX/XXXX, leading to confusion about the accurate timeline. 
High Balance and Utilization : The balance of {$15000.00} exceeds the credit limit of {$14000.00}, resulting in an inflated utilization rate of XXXX XXXX without justification. 


2. XXXX XXXX XXXX XXXXXXXX ( Account Ending XXXX ) : Account Status and Remarks : The account is listed as Charge-off, with remarks indicating Account Previously In Dispute - Now Resolved - Reported By Subscriber. This suggests that previous disputes may not have been fully resolved, requiring further investigation. 
Conflicting Activity Dates : The last activity date is reported inconsistently as XX/XX/XXXX, and XX/XX/XXXX, leading to potential errors in the account timeline. 
Late Payment Reporting : The report lists XXXX ( XX/XX/XXXX XXXX XXXX ) but lacks detailed payment history to substantiate these claims. 
High Balance and Utilization : The balance is reported as {$4500.00}, while the credit limit is {$4000.00}, leading to a utilization rate of XXXX XXXX, which appears excessive without proper explanation. 


3. XXXX XXXX XXXX ( Account Ending XXXX ) : Account Status and Remarks : The account is listed as Charge-off, with remarks indicating Dispute Resolved - Subscriber Disagrees. This suggests a prior unresolved dispute, implying the information may not have been adequately verified. 
Conflicting Last Activity Dates : The last activity is reported inconsistently as XX/XX/XXXX, and XX/XX/XXXX, leading to confusion about the accurate timeline. 
Late Payment Reporting : The report indicates XXXX ( XX/XX/XXXX XXXX XXXX ) but lacks detailed payment history to support these claims. 
Credit Utilization Discrepancy : The balance is reported as {$8200.00}, exceeding the credit limit of {$7500.00}, resulting in a utilization rate of XXXX XXXX, which lacks justification. 
High Balance Reporting : The high balance information does not clearly align with the payment history or other account details, creating ambiguity. 


4. XXXX XXXX ( Account Ending XXXX ) : Account Status and Remarks : The account is listed as Charge-off, with remarks indicating Dispute Resolved - Subscriber Disagrees, suggesting unresolved dispute concerns that may not have been properly investigated. 
Conflicting Last Activity Dates : The last activity is inconsistently reported as XX/XX/XXXX, and XX/XX/XXXX, leading to discrepancies in the account timeline. 
Late Payment Reporting : The report indicates XXXX ( XX/XX/XXXX XXXX XXXX ) but lacks detailed payment history to verify these claims. 
Credit Utilization Discrepancy : The balance is reported as {$11000.00}, matching the credit limit of {$11000.00}, which appears excessive without proper justification or context for this usage. 
High Balance Reporting : The high balance is reported as {$11000.00}, but no clear history supports this figure, making it questionable. 


5. XXXX XXXX  XXXX ( Account Ending XXXX ) : Conflicting Account Status : The account is marked as both Charge-off and Account Closed by Credit Grantor , leading to confusion. 
Inconsistent Last Activity Dates : The last activity date is reported as both XX/XX/XXXX, and XX/XX/XXXX, which is contradictory and impacts my credit history unfairly. 
Inaccurate Late Payment Reporting : Experian lists XX/XX/XXXX ( XX/XX/XXXXXXXX XXXX XXXX ), but no payment history is available to support this reporting. 
Credit Utilization Discrepancy : The balance of {$12000.00} exceeds the credit limit of {$11000.00}, leading to an inflated utilization rate of XXXX XXXX, which lacks supporting justification. 


6. XXXX XXXX XXXX ( Account Ending XXXX ) : Account Status and Remarks : The account is listed as Charge-off, with remarks indicating Account Closed by Credit Grantor and Unpaid Balance Reported as Loss, which may be redundant or unclear. 
Conflicting Last Activity Dates : The last activity is inconsistently reported as XX/XX/XXXX, and XX/XX/XXXX, leading to discrepancies. 
Late Payment Reporting : The report lists XXXX instances of being late ( XX/XX/XXXXXXXX XXXX XXXX ), but there is no detailed payment history to support these claims, which undermines accuracy. 
Credit Utilization Discrepancy : The balance is reported as {$10000.00}, exceeding the credit limit of {$9500.00}, resulting in a utilization rate of XXXX XXXX, which lacks clear justification. 


Violation of the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S.C. 1681i, the FCRA mandates that consumer reporting agencies conduct a reasonable reinvestigation to determine the accuracy of disputed information within 30 days of receiving notice of the dispute. XXXX failure to address the inaccuracies detailed above constitutes a violation of this statute

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