Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am filing this complaint due to repeated and unlawful credit reporting practices regarding a charged-off auto loan from XXXX  XXXX XXXX XXXXXXXX XXXX XXXX account number ending in XXXX. This tradeline is being reported inaccurately across XXXX, Experian, and XXXX, resulting in long-term derogatory effects on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards.

Key Violations & Legal Issues Identified : 1. Illegal Re-Aging of Debt and Charge-Off Extension The account has been reported as Charge Off continuously from XX/XX/XXXX through XX/XX/XXXX, despite no new activity or payments since XX/XX/XXXX. 

This violates Metro 2 reporting guidelines, which prohibit repetitive monthly charge-off coding after the initial charge-off.

This conduct falsely implies ongoing delinquency, constituting re-aging, which is unlawful under FCRA 623 ( a ) ( 5 ) and FDCPA 807 ( 8 ).

2. Inaccurate & Conflicting Balance Reporting The account shows a past-due balance of {$4800.00} with no evidence of updated interest, penalties, or collection activity since XXXX yet continues to be reported as active. 

Reporting an account as both charged-off and past-due simultaneously violates FCRA 1681e ( b ) and CFPB standards for accuracy and completeness.

3. Conflicting Data Across Bureaus Each bureau reflects discrepant CO entries, status update dates, and balance timestamps, which signals a breakdown in synchronization.

Under Metro 2 compliance, furnishers are required to ensure data consistency and format integrity.

4. Manipulated Delinquency Timeline The reported progression from XXXX XXXX  days late within a short timeframe lacks transparent substantiation and omits key delinquency stages ( e.g., XXXX XXXX XXXX XXXX XXXX ). 

In addition, ND ( No Data ) periods appear during the same timeframe as continued CO reporting an FCRA 623 ( a ) ( 1 ) ( A ) violation due to omission and misrepresentation.

False Date of First Delinquency ( DOFD ) Re-Aging Violation Equifax reports XXXX as XX/XX/XXXX, while Experian shows 60 days late in XX/XX/XXXX, meaning DOFD should legally be XX/XX/XXXX. 

This misstatement extends the XXXX reporting window beyond its lawful limit and violates FCRA XXXX ( a ) ( XXXX ). 

XXXX. Improper Monthly " Charge-Off '' Notations for XXXX  Years Experian continues to report a CO ( Charge-Off ) notation monthly from XX/XX/XXXX through XX/XX/XXXX, despite no activity since XX/XX/XXXX. 

XXXX XXXX XXXX guidelines, charge-off status should not repeat monthly unless new activity occurs. This falsely inflates derogatory data and violates FCRA 1681e ( b ) and 1681s-2 ( a ) ( 1 ) ( A ).

3. Delinquency Timeline Manipulation Experian shows inconsistent payment history progression ( e.g., jumping from XXXX to XXXX  days late with no intermediate entries ). 

ND ( XXXX XXXX ) is reported in XXXX while still listing XXXX  notations, indicating incomplete and deceptive data. 

4. Conflicting Reporting Between XXXX XXXX  does not provide monthly payment history ; Experian does. 

The bureaus differ in reporting DOFD, balance updates, and tradeline structure. 

This violates Metro 2 uniformity standards and FCRA 1681i ( a ) requiring accuracy and consistency.

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