Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to file a formal complaint against Experian and XXXX  for significant inaccuracies and inconsistencies in the reporting of my credit file, specifically concerning the account for XXXX XXXX XXXX ( Account number : XXXX ). The conflicting information between the two credit reports is a direct violation of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and fairness of consumer credit reporting.

The FCRA, specifically 15 U.S.C. 1681 ( a ), states that " The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. '' The contradictory information on my reports is a clear example of such a failure. 

The primary issue is a direct contradiction in the payment and account history for the same account, as shown in the enclosed copies of my credit reports dated [ Date of Experian Report, e.g., XX/XX/year> ] and [ Date of TransUnion Report, e.g., XX/XX/year> ]. 

Specifically, the following inconsistencies have been identified : Conflicting Payment History : My Experian report shows a detailed, negative payment history for the XXXX XXXX XXXX account, including multiple late payments ( XXXX, XXXX, and 180 days past due ) and a repossession ( " XXXX  '' ) status. 

In stark contrast, my TransUnion report for the same account states, " No payment history available to display. '' This discrepancy is a clear violation of the FCRA, as credit bureaus are required to report complete and accurate information. The absence of data on one report while a negative history is present on another creates an inaccurate and misleading portrayal of my creditworthiness, hindering my ability to obtain fair credit.

Conflicting Account Status : The Experian report lists the account status as " Paid in settlement '' and includes a comment that the " Account paid in full for less than full balance. '' The TransUnion report, however, lists the account status as " Payment after repossession. '' These XXXX statuses are fundamentally different. One implies a settled resolution, while the other describes a payment made following a repossession. This contradictory information is highly confusing and damaging to my credit profile.

Conflicting Balance Information : My Experian report shows a blank entry for the current balance, while stating an original balance of {$22000.00}.

My TransUnion report shows a current balance of {$0.00} and an original balance of {$22000.00}. 
While both reports imply the account is settled, the blank balance on the Experian report is an inaccuracy that can be misinterpreted by future lenders. 

These errors, taken together, create a distorted and unfair representation of my financial history. As per the FCRA, I have a right to have my information reported accurately. I have already attempted to resolve these issues with both bureaus, but the conflicting information remains. 

I respectfully request that the Federal Trade Commission investigate these violations of the FCRA, which requires consumer reporting agencies to " adopt reasonable procedures for meeting the needs of commerce for consumer credit ... in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information ... '' ( 15 U.S.C. 1681 ( b ) ).

Please ensure that Experian and XXXX  are held accountable for their inaccurate reporting and that my credit files are corrected to reflect consistent and truthful information. 

Thank you for your time and attention to this critical matter. I look forward to your prompt response.

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