Consumer complaint received 2025-03-29 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:
hey XXXX enhance my grammar punctuation, structure & format this fire the credit agencies XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XX/XX/XXXX RE : Request for Investigation and Correction of Inaccurate Information Dear, I am writing to dispute inaccurate and incomplete information reported on my credit file under the Fair Credit Reporting Act ( FCRA ). The account in question is as follows : Account Name : XXXX Account Number : XXXX Upon reviewing my credit report, I have identified the following discrepancies : 1. Date Last Active : inconsistent and inaccurate across all three credit reporting agencies ( TransUnion, Experian, and Equifax ). These discrepancies fail to reflect the actual status of my account. 
2. No. Of Months ( Terms ) : The reported is inconsistent and inaccurate across all three credit reporting agencies ( TransUnion, Experian, and Equifax ). These discrepancies fail to reflect the actual status of my account. 

Account Name : XXXX Account Number : XXXX XXXX. Account type : The reported No. Of Months ( Terms ) is inconsistent and inaccurate. 
2. Last date of active on my report is showing incorrect information for Experian & TransUnion equifax not reporting Account Name : XXXX XXXX Account Number : XXXX The discrepancies in the account information across the three credit bureaus ( TransUnion, Experian, and Equifax ) include differences in : 1. **Account Type Detail** : Experian lists it as a " Charge Card, '' while the others list it as " Revolving. '' 2. **Monthly Payment** : Equifax mentions `` Monthly ( due every month ), '' while the others show " {$0.00}. '' 3. **Number of Months ( terms ) ** : TransUnion and Experian do not specify, while Equifax lists it as " Monthly. '' Account Name : XXXX XXXX  Account Number : XXXX The discrepancies on this account include : 1. **Account Type - Detail** : - Experian lists it as " Charge Card. '' - Equifax lists it as " Revolving. '' 2. **Months ( terms ) ** : - Experian shows " Revolving. '' - Equifax shows " Monthly ( due every month ). '' 3. **Last Reported** : - Experian shows " XX/XX/XXXX. '' - Equifax shows " XX/XX/XXXX. '' 4. **Comments** : - Experian has no comments. 
- Equifax states " CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS. '' 5. **Date Last Active** : - Experian shows " XX/XX/XXXX. '' - Equifax shows " XX/XX/XXXX. '' 6. **Date of Last Payment** : - Experian shows " XX/XX/XXXX. '' - Equifax shows " XX/XX/XXXX. '' Account Name : XXXX XXXX Account Number : XXXX XXXX. Last day active inconsistent and inaccurate across all three credit reporting agencies ( TransUnion, Experian, and Equifax ). These discrepancies fail to reflect the actual status of my account. 
2. last Reported inconsistent and inaccurate across all three credit reporting agencies ( TransUnion , Experian, and Equifax ). These discrepancies fail to reflect the actual status of my account.

Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX. ) Account Number : XXXX The discrepancies in the account information across the three credit bureaus ( TransUnion, Experian, and Equifax ) are as follows : 1. **Account Type** : - TransUnion and Equifax list the account type as " Open account. '' - Experian lists it as " INSTALLMENT. '' 2. **Account Type - Detail** : - TransUnion and Equifax both describe it as " Open account. '' - Experian describes it as " Debt Buyer. '' 3. **No. of Months ( terms ) ** : - TransUnion and Equifax do not list any terms. 
- Experian lists the term as " 1 Month. '' These differences could affect how the account is perceived by lenders or other entities reviewing the credit report.

The discrepancies in the account information across the three credit bureaus ( TransUnion, Experian, and Equifax ) are as follows : 1. **Account Type** : - TransUnion and Equifax list the account type as " Open account. '' - Experian lists it as " INSTALLMENT. '' 2. **Account Type - Detail** : - TransUnion and Equifax both describe it as " Open account. '' - Experian describes it as " Debt Buyer. '' 3. **No. of Months ( terms ) ** : - TransUnion and Equifax do not list any terms.

- Experian lists the term as " 1 Month. '' These differences could affect how the account is perceived by lenders or other entities reviewing the credit report. 

Account Name : XXXX XXXX  Account Number : XXXX **Account Type** : " Installment account '' indicates a loan with fixed payments over a set period. 
Account Type - Detail** : Repeated as " Installment account. '' This should align with the type of loan you had. 
Bureau Code** : " Individual account '' means you are solely responsible for this account.

Account Status** : " Closed '' indicates the account is no longer active. Verify this matches your understanding.

6. **Monthly Payment** : {$0.00} suggests no current payment is due, which is typical for a closed account.

8. **Balance** : {$0.00} means there's no remaining balance, which is consistent with a closed account.

9. **No. of Months ( terms ) ** : " Monthly '' might be an error ; it should reflect the total number of months for the loan term.

10. **High Credit** : {$370.00} could be the highest balance or credit limit. Verify this amount.

11. **Credit Limit** : Not applicable for installment loans, hence {$0.00}.

12. **Past Due** : {$0.00} indicates no overdue payments, which is consistent with a closed account. 



These inaccuracies are a direct violation of your obligations under 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum possible accuracy in the preparation of consumer reports. Additiohally, under 15 U.S. Code $ 1681i, I am requesting an immediate investigations into these inaccuracies and for the necessary corrections or deletions to be made promptly.

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