Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I am filing this complaint because all three major credit bureaus are reporting inaccurate, conflicting, and unverifiable information regarding the same account. I have already disputed the data directly with TransUnion, Experian, and Equifax, but each agency verified the information as accurate without correcting the clearly inconsistent data.

Under FCRA 605 ( a ), derogatory accounts can only be reported for 7 years from the date of first delinquency ( DOFD ). The true DOFD on this account occurred no later than XXXX, yet : TransUnion reports the Date of Last Activity as XX/XX/XXXX Experian reports Date of Last Activity as XX/XX/XXXX Equifax reports Date of Last Activity as XX/XX/XXXX These updates push the derogatory accounts apparent age forward, resetting its delinquency period and extending its impact on my credit report. This is known as re-aging, which violates : FCRA 605 ( c ) FCRA 623 ( a ) ( 5 ) failure to accurately report DOFD Metro 2 Field 25 Date of Last Activity must reflect actual consumer activity, not system updates This account should be reported as closed because there have been no new payments or activity since XX/XX/XXXX, yet it is still listed as open with continuous monthly late payments extending into 2025. This violates : Metro 2 Guidelines ( Field 17A & 11 Account Status & Payment History ) Closed accounts should not reflect ongoing delinquency reporting.

FCRA 607 ( b ) Failing to ensure maximum possible accuracy by falsely suggesting ongoing default.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information by extending the appearance of active default.

FCRA 605 ( c ) Attempting to re-age delinquency to extend derogatory reporting beyond the legal limit.

Metro 2 and FCRA Violations by Bureau : TransUnion Date Opened : XX/XX/XXXX inconsistent ( Field 10, FCRA 607 ( b ) ) Payment Status : 120 Days Late conflicts with Experian ( Field 17A, 623 ( a ) ( 1 ) ) Past Due : {$8800.00} differs from others ( Field 18, 607 ( b ) ) Date of Last Payment : XX/XX/XXXX conflicts with Equifax ( Field 24, 607 ( b ) ) Date of Last Activity : XX/XX/XXXX inaccurately re-aged ( Field 25, 623 ( a ) ( 5 ), 605 ( c ) ) Payment History : 24 months of 120s not supported ( Field 26B, 602A ) Monthly Payment : {$0.00} inaccurate for open installment ( Field 20, 602A ) Experian Date Opened : XX/XX/XXXX inconsistent ( Field 10, 607 ( b ) ) Payment Status : 180 Days Late overstates status ( Field 17A, 623 ( a ) ( 1 ) ( A ) ) Past Due : {$8800.00} mismatched ( Field 18, 607 ( b ) ) Date of Last Activity : XX/XX/XXXX re-aged beyond true DOFD ( Field 25, 623 ( a ) ( 5 ) ) Payment History : 24 months of 180-lates excessive and unsupported ( Field 26B, 602A ) Monthly Payment : {$0.00} inaccurate for an open loan ( Field 20, 602A ) Equifax Date Opened : XX/XX/XXXX inconsistent ( Field 10, 607 ( b ) ) Past Due : {$8800.00} inconsistent ( Field 18, 607 ( b ) ) Date of Last Payment : XX/XX/XXXX 2 years off from XXXX ( XXXX XXXX ) Date of Last Activity : XX/XX/XXXX contradicts TU/EX ( Field 25 ) Payment History : Several OK months despite 120 status ( Field 26B, 602A ) Monthly Payment : {$0.00} false for open account ( Field 20, 602A ) I am submitting this complaint because all three major credit bureaus are reporting re-aged, inaccurate, and unverifiable information on a Credit Acceptance auto loan. I have previously disputed these issues with each bureau, and they improperly verified the information as accurate.

The data being reported violates both the Fair Credit Reporting Act ( FCRA ) and Metro 2 guidelines, which govern uniform credit data reporting.

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