Consumer complaint received 2025-09-11 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXX SSN ( Last XXXX ) : XXXX Email : XXXX XX/XX/XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX RE : Dispute of XXXX XXXX XXXX XXXX XXXX / XXXX  Account XXXX I am formally exercising my rights under the Fair Credit Reporting Act ( FCRA XXXX ) regarding the account below, which continues to be reported inaccurately and in violation of federal law and industry reporting standards : Creditor : XXXX XXXX / XXXX Account Number : XXXX Despite my prior disputes, this account is still reported inconsistently across back-to-back entries ( showing both Charge-Off / 150 days past due and Paid / Closed, Never Late ). This misreporting directly jeopardizes the integrity of my consumer file and fails to comply with XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) guidelines, and the XXXX XXXX XXXX XXXX ( XXXX ) Specific Violations Identified XXXX. Tradeline Segment Account Status / Payment Rating Reported : Charge-Off / 150 days past due ( XX/XX/XXXX entry ). 
Correct Status : Paid / Closed, Never Late. 
Proper CIDA Code : XXXX ( current/paid ). 
Violation : Inaccurate coding of account status violates XXXX XXXX field standards and CRRG 2.1.2 accuracy rules.

2. Payment History ( Monthly Codes ) Reported : 150 days past due for multiple months in XXXX. 
Evidence : No such delinquency occurred. 
Violation : False late codes violate XXXX reporting standards and FCRAs maximum possible accuracy requirement. 
XXXX. Balance / High Credit / Credit Limit Fields Reported : Highest Balance {$400.00}, XXXX XXXX {$200.00}, Balance {$0.00}. 
Issue : Conflicting high balance vs. credit limit misstates the accounts true usage. 
Violation : CRRG balance accuracy standards require financial fields to match actual account records.

4. Date Fields ( Date Opened, Date of Status, On Record Until ) Reported inconsistently : Opened : XX/XX/XXXX in XXXX entry ; XX/XX/XXXX in another. 
Status Updated : XX/XX/XXXX vs. XX/XX/XXXX. 
On Record Until : XX/XX/XXXX vs. XX/XX/XXXX. 
Violation : XXXX XXXX and XXXX require accurate and consistent reporting of Date Opened, Date of Status, and retention periods. 
XXXX. Remarks/ Comments Segment Reported : Purchased by another lender and Closed at credit grantors request. 
Evidence : Misrepresents actual account closure conditions. 
Violation : XXXX XXXX Remarks Segment must reflect factual account conditions ; CRRG mandates integrity of remarks data. 
XXXX. Duplicate/ Conflicting Entries The same account is reported back-to-back with conflicting statuses ( Charge-Off vs. Paid/Closed ).

Violation : Conflicting entries jeopardize the integrity of the report and violate XXXX consistency rules. 
XXXX. Failure to Correct After Reinvestigation FCRA 1681i I previously disputed this account. The bureau reported it as verified/updated, yet the inaccurate fields remain. 
Violation : FCRA requires reinvestigation and correction/deletion of unverifiable information within 30 days.

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