Consumer complaint received 2025-05-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau I am filing this formal complaint and demand through the CFPB against TransUnion, Experian XXXX and Equifax for the continued reporting of false, contradictory, and legally invalid information regarding an auto loan account listed as : Creditor : XXXX XXXX Account Number : XXXX Reported Balance : {$12000.00} ( varies by bureau ) Status : Charge-Off This account is being reported with gross inconsistencies that violate the Fair Credit Reporting Act ( FCRA ) and misrepresent the true financial status of the account. 

Experian reports the account as Closed. 

TransUnion and Equifax report it as Open.

All three bureaus list it as Charge-Off, which is factually incompatible with an Open account status.

Equifax shows the account as Current with a {$0.00} balance, yet also labels it as a Charge-Off and Open at the same time. 

A recent payment was recorded on XX/XX/XXXX, which undermines the validity of a XX/XX/XXXX charge-off classification. 

This is blatant noncompliance with : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report inaccurate or incomplete information.

15 U.S.C. 1681i : Bureaus must delete any item that can not be verified as accurate and consistent. 

Furthermore, the vehicle related to this loan is still in possession of the borrower and has not been repossessed or sold, which means no verified loss has occurred. Reporting this account as a charge-off is not only prematureit is fraudulent under federal consumer law. 

I demand the immediate deletion of this account from all three credit bureaus for violating FCRA requirements of accuracy, consistency, and truthfulness in reporting. 

Please find attached a copy of my government-issued ID, Social Security card, proof of address, my credit report showing the discrepancies, and an Identity Affidavit. 

I request full removal of this account and updated credit files sent to all reporting agencies and any third parties who may have accessed the incorrect data. If this is not corrected, I will pursue further legal and regulatory escalation. 

This account is being reported in violation of multiple provisions of the FCRA. The inconsistent and deceptive reporting is damaging to the consumers credit reputation and creates a false representation of delinquency. 

I am demanding that this account be permanently deleted from TransUnion, Experian, and Equifax immediately, and that all affected parties receive corrected credit files. 

This false classification is materially damaging my credit reputation and obstructing access to fair financial opportunities, which directly contradicts the consumer protections outlined in FCRA 602 ( a ) Sincerely, XXXX XXXX XXXX XXXX XXXX

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