Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
Subject : False Late-Payment and Charge-Off Reporting ; Failure to Conduct Reasonable Reinvestigation ; Willful Noncompliance with FCRA and XXXX XXXX XXXX am submitting this complaint to formally report that Equifax, Experian, and TransUnion have each violated my rights under the Fair Credit Reporting Act and failed to maintain lawful, accurate, and verifiable data in my consumer credit files. My reports contain several accounts with conflicting, unverifiable, and inconsistent information that have caused substantial harm to my credit reputation, finances, and overall well-being. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all of which are displayed with payment history and charge-off data that can not be substantiated under FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), as well as the XXXX XXXX XXXX and uniformity standards established by the XXXX XXXX XXXX XXXXXXXX XXXX 

Across all three credit bureaus, the same accounts display contradictory payment histories, status fields, and dates of last activity. For instance, XXXX XXXX  reports as Pays as Agreed on Equifax yet as Paid, was past due XXXX days on Experian, despite both accounts being closed with a XXXX balance. Under XXXXXXXX XXXX XXXX XXXX XXXX XXXX, such coding can not coexist, as a current or paid status can not lawfully include late-payment codes once a balance is XXXX. This means the data is materially inaccurate and misleading to any potential creditor. No original documents or verifiable proof have been provided to justify continued reporting of a delinquency, making the account unverifiable and noncompliant with federal accuracy mandates. 

Similarly, Grow Financial FCU appears as a charge-off on Equifax while showing no such status on Experian or TransUnion, contradicting the uniform data reporting obligations required under FCRA 623 ( a ) ( 1 ) ( A ). This demonstrates that no verified information was shared among furnishers or repositories, and therefore, the payment data lacks integrity. Because the account carries no open balance and no permissible purpose for continued publication under 604 ( a ), it must be deleted entirely. Retaining it serves no lawful reporting function and causes unjustified credit damage. 

XXXXXXXX XXXX and XXXX XXXX both show extensive XXXX, XXXX, and XXXX delinquency chains on Equifax and Experian, yet their data fields conflict in balance, date of last activity, and charge-off timeline. These discrepancies directly violate XXXX XXXX data field synchronization rules, which require identical values for Date Opened, Date of Last Activity, Payment Rating, and Account Status across bureaus. Because neither account can be verified through complete or consistent data, their continued reporting is deceptive and in breach of the FCRAs accuracy mandate under 607 ( b ) and its reinvestigation requirement under 611 ( a ). 

The XXXX XXXX collection account further demonstrates systemic compliance failure. The reported balance, high credit, and status fields differ between Equifax and TransUnion, and no data appears at all on Experian. In XXXX report, the account is labeled XXXX, a code that does not correspond to any recognized XXXX XXXX field value, proving it was improperly formatted and unverified. This account was never validated under 15 U.S.C. 1692g and lacks any lawful permissible purpose under 1681b. The inconsistent presentation of account data and the absence of validation documentation indicate that this collection is unverifiable and potentially fraudulent, requiring immediate deletion to prevent further injury. 

In each of these cases, the credit bureaus have failed to conduct reasonable reinvestigations, as required by 611 ( a ) ( 1 ) ( A ). Instead, they continue to publish false and incomplete data even after written disputes were filed with full documentation. No bureau has provided a copy of any original furnisher records, such as signed loan agreements, payment ledgers, or authorized verification responses. This behavior constitutes willful noncompliance under 616 and 617, as the bureaus were notified in writing yet chose to maintain erroneous data knowingly. Additionally, using automated or template-style reinvestigations violates FCRA 1681i, which mandates a human review and proper verification. 

The pattern of misconduct across bureaus has caused measurable harm. False late-payment and charge-off data have suppressed my credit score, led to denials for housing and credit approvals, and caused emotional distress. These inaccuracies misrepresent my financial reliability and demonstrate systemic negligence and recklessness by all three credit bureaus. It is especially troubling that Equifax, already known for prior data breaches, continues to process disputes using automated templates that disregard specific evidence, which violates both the letter and spirit of the FCRA. 

The XXXX XXXX XXXX XXXX XXXX XXXX guidelines explicitly state that all furnishers must maintain uniformity, accuracy, completeness, and timeliness across credit repositories. Yet each of my disputed accounts presents multiple deviations in reporting fields such as High Credit, Credit Limit, Date Opened, Last Reported, and Account Type Details. Such inconsistencies are proof that the reported data can not be relied upon as accurate or complete and must therefore be permanently deleted.

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