Consumer complaint received 2025-04-18 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: MI

Complaint narrative:
ACCOUNT # : XXXX | XXXX VIOLATIONS OF FCRA, FDCPA, AND REPORTING INACCURACIES To Whom It May Concern, This letter is being sent as a formal demand for immediate removal of this account due to inaccurate, incomplete, and unverifiable information being reported on my credit file regarding the SYNCB/HMDS account # XXXX. 

Upon thorough review, it is evident that all three credit bureausTransUnion, Experian, and XXXX reporting conflicting and incorrect data, constituting multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ). Below are the violations and inconsistencies noted : I. INACCURACIES ACROSS BUREAUS 1. Account Type Conflict TransUnion and Equifax report the account type as " Revolving. '' Experian inaccurately reports " Charge Card. '' This is a material inconsistency under 15 U.S.C. 1681i ( a ) duty to reinvestigate inaccuracies. The nature of the account must be consistently reported across all bureaus. 
XXXX. Date Last Active Experian : XX/XX/XXXX TransUnion and Equifax : XX/XX/XXXX You can not lawfully update a date of last activity after charge-off. This misrepresentation may be an unlawful attempt at re-aging debt, a clear violation of 15 U.S.C. 1681c ( a ).

3. Payment History Conflicts Experian displays a complete derogatory history with 30120 day lates.

Equifax marks multiple CO ( Charge-Off ) and interspersed OK statuses during months when a charge-off was supposedly in effect, an impossibility. 
TransUnion fails to provide any payment history whatsoeverlack of reporting accuracy and completeness violates 15 U.S.C. 1681e ( b ).

4. Monthly Payment Field TransUnion : {$0.00} Experian and Equifax : Missing or blank This is not only inconsistent, but also misleading, especially on a charged-off account. This constitutes incomplete and inaccurate reporting.

5. Balance & Past Due All three bureaus list a past due balance identical to the charged-off balance ( {$4200.00} ), which is contradictory and misleading. Once an account is charged off, the past due should reflect {$0.00} unless actively accruing interestwhich requires supporting documentation, per FCRA 623.

II. VIOLATIONS OF FEDERAL LAW FCRA 1681e ( b ) Failure to maintain maximum possible accuracy FCRA 1681i ( a ) Failure to conduct reasonable investigation FCRA 1681s-2 ( a ) Furnishing inaccurate information FCRA 1681c ( a ) Reporting obsolete or outdated information FDCPA 807 ( 15 U.S.C. 1692e ) False representation of debt FDCPA 808 ( 15 U.S.C. 1692f ) Unfair practices, including improper re-aging III. DEMAND FOR REMEDIATION You are hereby demanded to immediately : Delete or correct all inaccurate data related to the SYNCB/HMDS account across all three bureaus. 
Provide full documentation used to verify this account, including : Original signed agreement Complete payment history Charge-off details Basis for the Date of Last Activity Cease and desist from reporting unverifiable or misleading information in violation of federal statutes. 
If you fail to fully correct or remove this inaccurate information within 15 calendar days, I will proceed with filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney Generals Office, and I will consider pursuing legal remedies for willful noncompliance and damages under 15 U.S.C. 1681n. 

Govern yourselves accordingly.

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