Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Inaccuracies Found Heres what stands out : XXXX. Personal Information Your name is listed differently across bureaus : XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Experian : XXXX XXXX XXXX : XXXX XXXX XXXX / XXXX XXXX XXXX Inconsistent name reporting. Should be uniform. 

Addresses dont fully match across bureaus : Experian lists multiple old addresses that XXXX  and XXXX  do not. 
Old/inaccurate addresses should be removed unless you want them kept. 

XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX  shows : Balance owed {$580.00} as of XX/XX/XXXX. 

XXXX both show the account closed in XXXX, but still report a balance. 

Payment history : XXXX  shows none reported while XXXX show multiple charge-offs in XXXX. 
This is inconsistent. An account cant be both closed in XXXX and still updating late marks in XXXX. 

XXXX. XXXX XXXX XXXX  : Balance owed {$150.00} in XX/XX/XXXX. 

Experian : Reports it closed in XXXX but still updates negative marks into XXXX. 

XXXX : Shows lates from XXXX ( XXXX, XXXX, XXXX, XXXX  days late ) but then OK afterward. Yet account marked charge-off.

This is contradictory reporting across bureaus. 

XXXX. XXXX XXXX XXXX  : No lates reported. 

Experian & XXXX  : Report severe lates and a charge-off through late XXXX. 

Status dates conflict ( XXXX says last activity XX/XX/XXXX ; Experian says XX/XX/XXXX ; XXXX  says XX/XX/XXXX ). 
Reporting not consistent. 

XXXX. XXXX XXXX XXXX XXXX : Reports {$0.00} balance but charged off. 

Experian : XXXX last payment XX/XX/XXXX but then negative lates throughout XXXX. 

Equifax : Similar but inconsistent late history. 
Can not be both {$0.00} and actively delinquent. 

XXXX. XXXX XXXX XXXX Experian shows dispute already filed, but XXXX do not. 

XXXX  shows XXXX times XXXX days late, which is inconsistent with the timeline. 

XXXX  : Reports NONE REPORTED for payment history. 
Same account showing wildly different histories. 

XXXX. XXXX XXXX XXXX  : Reports balance {$140.00} as of XX/XX/XXXX. 

Experian : Says balance {$140.00} but closed in XXXX. 

XXXX : Also reports balance {$140.00}, but activity dates dont line up. 

Payment histories differ significantly. 
Should be corrected. 

XXXX. Late Payment Counts Days Late XXXX Year History varies drastically by bureau : XXXX  consistently shows XXXX late marks. 

Experian shows XXXX, XXXX, XXXX across accounts. 

XXXX shows dozens of XXXX late marks ( up to XXXX and XXXX on some accounts ). 
This is inaccurate. Same accounts should not report XXXX vs XXXX lates. 

Summary of Issues : Name/Address inconsistencies. 

Conflicting balance/closed dates. 

Charge-offs reported after account closure. 

Different bureaus reporting vastly different late payment counts. 

Duplicate or outdated negative information.

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