Consumer complaint received 2025-07-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to formally dispute the reporting of XXXX XXXX XXXX account XXXX XXXXXXXX, originally opened for a XXXX XXXX XXXX, which currently appears on my credit report. This account is being reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ), 26 U.S. Code 6050P, and other federal consumer protection laws. 
Despite having filed a complaint directly with XXXX XXXX, they continue to report materially inaccurate, inconsistent, and unverifiable information across all three credit bureaus. These errors constitute a willful and negligent violation of federal law and have caused significant damage to my credit profile. 

Summary of Violations and Disputes : 1. Inconsistent Reporting Across CRAs : Equifax reports the account as OK and current for several months.

Experian simultaneously reports those same months as CO ( Charge-Off ).

TransUnion reflects a charge-off but with unmatched payment activity.

This violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), which prohibits furnishing information believed to be inaccurate.

2. Misreported Loan Terms : The original Retail Installment Contract is for 72 months, yet XXXX reports 76 months to the CRAs This violates FCRA 1681e ( b ), which requires maximum possible accuracy in all reported information.

3. Conflicting Balance Amounts : Statement of Account : {$10000.00} owed post-sale.

Deficiency Letter : {$12000.00} owed for the same period.

Pre-sale figures and current reporting also differ ( {$16000.00} vs. {$18000.00} vs. {$15000.00} ).

Under FCRA 1681i ( a ), this account is unverifiable and should be removed.

4. Conflicting Last Payment Dates : Equifax and XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Statement of Account : Conflicts with both This inconsistency is a further FCRA 1681s-2 ( b ) violation.

5. No 1099-C Issued : XXXX has reported the account as : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor These statements constitute cancellation of debt under IRS 26 U.S. Code 6050P, requiring issuance of a 1099-C. I have never received one, and XXXX has not substantiated continued reporting. 
The tradeline should therefore be deleted as it is either canceled or uncollectible, yet still falsely reported as an open charge-off.

6. Legal Notice Sent to Incorrect Address : XXXX confirmed they sent repossession and deficiency notices to an outdated address. 
Under UCC 9-611, failing to notify the correct address invalidates deficiency collection and damages the tradeline 's legality.

________________________________________ Attached Documents ( Include with Dispute Submission ) : Copy of Government issued ID and Proof of Address Copy of the original Retail Installment Contract Copy of Statement of Account and Deficiency Letter Copy of this letter Copy of Exeters inaccurate reporting Respectfully, XXXX XXXX XXXX XXXX.

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