Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
Summary of Complaint : I am filing this complaint because Experian and TransUnion are reporting multiple inaccurate, contradictory, and misleading tradelines, as well as false bankruptcy information, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Details of Inaccuracies XXXX. XXXX XXXX ( Acct ending XXXX ) Experian : Reports one account as Charged off / Never late. {$10000.00} written off. {$10000.00} past due and a second account as Discharged through XXXX XXXX XXXX 

TransUnion : Reports same account with a {$10000.00} balance owing. 

Inaccuracies : Same creditor reporting contradictory statuses : charged off, past due, never late, discharged in XXXX 

The XXXX XXXX XXXX was dismissed on XX/XX/XXXX, not discharged. Reporting discharged is false. 

Reporting never late while charged off is contradictory. 

XXXX. XXXX XXXX XXXX ( Acct ending XXXX ) Experian : Reports Charged off / Never late. {$18000.00} written off. {$18000.00} past due with multiple charge-off months ( XXXX, XXXX, XX/XX/XXXX ). 

TransUnion : Reports the same account but with no balance or status data. 

Inaccuracies : Contradictory statuses ( never late + charged off ). 

Charge-off can not occur multiple months ; it is a one-time event. 

TUs omission of data makes reporting incomplete and inconsistent across CRAs. 

XXXX. XXXX ( Acct ending XXXX ) Experian : Reports Petition for XXXX XXXX / Never late. 

TransUnion : Reports Included in XXXX  with balance {$5700.00}. 

Inaccuracy : The XXXX  was dismissed on XX/XX/XXXX. No debts were discharged or included. Both reports are factually false. 

XXXX. Systemic XXXX XXXX XXXX Accounts reported as both charged off and past due simultaneously. 

Accounts listed as never late while showing charge-off status. 

Inconsistent reporting of balances across Experian vs. TransUnion. 

Bankruptcy coding errors ( accounts shown as discharged/included in bankruptcy despite dismissal ). 

Multiple charge-off months, which artificially inflates derogatory reporting. 

FCRA Violations 15 U.S.C. 1681e ( b ) : CRAs must assure maximum possible accuracy. Conflicting tradeline data violates this duty.

15 U.S.C. 1681i : CRAs must reasonably reinvestigate and correct/delete disputed inaccurate information within 30 days.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not report information known or reasonably expected to be inaccurate.

Requested Relief I request that CFPB require Experian and TransUnion to : Delete all inaccurate tradelines listed above. 

Remove false bankruptcy coding from accounts reflect that the XXXX  XXXX was dismissed, not discharged. 

Cease reporting contradictory statuses ( e.g., never late + charged off ). 

Provide written confirmation of all deletions. 

If Experian and TransUnion fail to comply, I reserve the right to pursue litigation under 15 U.S.C. 1681n and 1681o for willful and negligent violations of the FCRA, including actual, statutory, and punitive damages, plus attorneys fees.

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