Consumer complaint received 2025-11-16 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: NC

Complaint narrative:
CFPB Complaint Experian Credit Reporting Errors & Discrepancies From : XXXX XXXX XXXX, NC To : Consumer Financial Protection Bureau ( CFPB ) Dear CFPB Representative, I am submitting this complaint regarding Experian for inaccurate, incomplete, and misleading credit reporting. After reviewing my Annual Credit Report Experian dated XX/XX/2025, I found multiple discrepancies that have caused significant damage to my credit profile, financial stability, and ability to obtain affordable housing, transportation, and employment opportunities. 
Below are the issues I am requesting the CFPB to investigate : 1. Inaccurate Reporting of Charge-Offs and Account Statuses Several accounts show inconsistent or contradictory information, including balances that should be {$0.00}, late payments reported after account closure, and continued negative updates that should not legally appear. 
Examples include : - XXXX XXXX ( Acct ending XXXX ) : Experian reports a charge-off with a {$950.00} past due even though the account was charged off. Multiple late payments are shown in months after the account was reportedly closed. 
- XXXX XXXX XXXX  : Experian reports {$1500.00} charged off AND {$1500.00} past due, which appears to duplicate the balance. 
- XXXX : Account shows {$3000.00} written off AND {$3000.00} past due, again duplicating negative reporting. 
- XXXX XXXX XXXX Experian reports a charge-off with a {$0.00} balance but marks it as potentially negative without explanation. 
- XXXX : Numerous late-payment entries, some appearing duplicated for the same month. 
2. Duplicate or Incorrect Balance Notations Several accounts show the same debt twice once as written off and again as past due. This misrepresents my total owed debt and inflates my delinquency history.

3. Possible Re-Aging of Accounts Some accounts show late-payment sequences or due dates that do not align with the original delinquency timeline. Re-aging is prohibited unless supported by verified documentation.

4. Inconsistent Notations and Missing Creditor Details Multiple Experian entries contain missing creditor addresses, inconsistent dates, payment histories that continue after account closure, and contradictory status comments.

5. Harm Suffered Due to Experians inaccurate reporting, I have experienced : - Denials of credit - Higher interest rates - Difficulty obtaining essential services- Barriers to securing housing and transportation - Stress and reputational harm 6. Requested Action I respectfully request that the CFPB : 1. Investigate Experians failure to ensure accuracy of the reported information.

2. Require Experian to conduct a full reinvestigation and obtain original source documentation from each creditor.

3. Correct or delete any item that can not be fully verified.

4. Provide a written explanation of the corrections and findings. 
Thank you for your time and assistance. I request prompt handling of this matter, as these errors continue to negatively impact my financial life. 
Sincerely, XXXX XXXX XXXX, NC

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