Consumer complaint received 2025-05-19 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: LA

Complaint narrative:
Complaint Regarding Inaccurate and Misleading Reporting by XXXX XXXX XXXX I am filing a formal complaint against XXXX XXXX XXXX ( XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). The account is being inaccurately reported on my credit report in the following ways : Misclassified as an Open Account when it is a collection account. This misleads creditors and violates FCRA 607 ( b ) and FDCPA 807 ( 2 ) ( A ).

Incorrect payment history Equifax shows OK payments for months when the account was already in collections. This is deceptive and violates FCRA 607 ( b ) and FDCPA 807 ( 10 ).

Incorrect payment status Late 120 Days is not accurate for a collection account and violates FCRA 623 ( a ) ( 1 ) ( A ). 

Inconsistent dates Account shows a last active and last payment date of XX/XX/XXXX, but a date opened of XX/XX/XXXX. These inconsistencies are not only confusing but also violate FCRA 623 ( a ) ( 2 ).

Due to these legal violations and reporting errors, I request a full investigation. If accurate information can not be verified and corrected, I respectfully demand that this account be permanently removed from all credit reports. 

Thank you for your attention and support in resolving this issue.

INACCURACIES & VIOLATIONS 1. Account Type Misrepresentation Reported as : Open Account with status " Collection '' This is not an open credit account ( like a credit card ). It's a third-party collection account.

FCRA 607 ( b ) Failure to ensure accurate classification. 

FDCPA 807 ( 2 ) ( A ) Misrepresentation of the legal nature of the debt.

2. Payment History Misreporting Equifax shows OK payment history for a debt in collection status from XXXX to XXXX. 

This is misleading and illegal. Once an account is in collections or charged off, it should not reflect on-time payments.

FCRA 607 ( b ) Misleading payment data.

FDCPA 807 ( 10 ) False impression of creditworthiness.

3. Late 120 Days on a Collection Account Equifax lists Late 120 Days instead of labeling it as Collection/Charge-off.

It can not be both either it's a late active account or a closed collection.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing info known to be misleading.

4. Date Inconsistency Date Last Active and Date of Last Payment : XX/XX/XXXX Date Opened : XX/XX/XXXX How can the account be active and paid in XXXX, but opened in XXXX? 

FCRA 623 ( a ) ( 2 ) Duty to update and correct inaccurate information.

1. Duplicate Reporting of Same Debt ( FCRA 607 ( b ) ) FCRA requires data furnishers and CRAs to ensure information is accurate and not misleading.

Reporting the same debt more than once under slightly different entries ( one showing the original creditor, the other not ) is inherently deceptive. 

FCRA 607 ( b ) Failure to maintain maximum possible accuracy.

FCRA 602 ( a ) Unfair reporting practices causing undue harm.

2. Deceptive Practices ( FDCPA 807 ( 2 ) ( A ) ) FDCPA prohibits false or misleading representations about the character, amount, or status of any debt.

Listing the same debt twice gives the false appearance of two separate unpaid obligations.

FDCPA 807 ( 2 ) ( A ) False representation of the character of the debt. 

3. Conflicting Activity Dates TransUnion shows last activity XX/XX/XXXX, Experian says XX/XX/XXXX. 

Inconsistent dates across the same account is a violation of : FCRA 623 ( a ) ( 2 ) Failure to correct/update inaccurate info.

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