Consumer complaint received 2023-10-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Based on the provided account information from the credit report for XXXX here are the inconsistencies and incomplete information among the three major credit bureaus ( XXXX, Experian, and XXXX ) XXXX Account Number : XXXX reports the account number as " XXXX. " Experian reports the account number as " XXXX. '' XXXX does not provide an account number for this account. 
Account Type : XXXX reports it as a " Revolving account. " Experian reports it as " REVOLVING. '' XXXX does not provide an account type for this account. 
Account Type - Detail : XXXX reports " Revolving account '' as the account type detail. Experian reports " Charge Card '' as the account type detail. XXXX does not provide an account type detail for this account. 
Bureau Code : XXXX and Experian report " Individual account '' as the bureau code. XXXX does not provide a bureau code for this account. 
Account Status : XXXX reports the account as " Closed. " Experian reports the account as " Indeterminate. '' XXXX does not provide an account status for this account. 
Monthly Payment : XXXX reports a monthly payment of " {$0.00}. " Experian does not provide a monthly payment. 
XXXX does not provide a monthly payment. 
Date Opened : XXXX reports a date opened of " XXXX. " Experian reports a date opened of " XX/XX/XXXX. '' XXXX does not provide a date opened for this account. 
Balance : XXXX and Experian report a balance of " {$0.00}. " XXXX does not provide a balance for this account. 
No. of Months ( terms ) : Experian reports it as a " Revolving '' account. XXXX and XXXX do not provide a term for this account. 
High Credit : XXXX reports a high credit of " {$0.00}. " Experian does not provide a high credit. 
XXXX does not provide a high credit. 
Credit Limit : XXXX and Experian report a credit limit of " {$0.00}. " XXXX does not provide a credit limit for this account. 
Past Due : None of the bureaus report past due information for this account.

Payment Status : XXXX reports it as " Paid or paying as agreed. '' Experian reports it as " Charge-off. '' XXXX does not provide a payment status for this account. 
Last Reported : XXXX reports a " Last Reported '' date of " XXXX " Experian reports a " Last Reported '' date of " XXXX. '' XXXX does not provide a " Last Reported '' date for this account. 
Comments : There are comments indicating that the account was canceled by the credit grantor. There's also a " CONSUMER STATEMENT '' indicating the item is in dispute by the consumer. This information is consistent among the three bureaus. 
Date Last Active : XXXX reports a " Date Last Active '' of " XXXX. " Experian reports a " Date Last Active '' of " XXXX. '' XXXX does not provide a " Date Last Active '' for this account. 
Date of Last Payment : None of the bureaus report a date of the last payment for this account. 
Two-Year Payment History : XXXX reports XXXX OK '' for several months in the payment history. 
Experian reports a mix of 30, 60, 90, and 120 days late, as well as " OK '' for some months. 
XXXX does not provide a payment history for this account.

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