Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
I am submitting this complaint regarding the inaccurate and conflicting reporting of a XXXX XXXX XXXX loan on my TransUnion, Experian, and Equifax credit reports. The account has been charged off, but is still being reported with multiple factual inconsistencies and misleading payment histories. 

Inaccuracies Identified : Different open dates and last activity/payment dates across all bureaus. 

Inconsistent high credit between Equifax and the other bureaus.

Contradictory comments : one bureau says the car was repossessed, another simply says charged off.

Same balance listed as both " owed '' and " charged off '', with no update on repossession or settlement.

Experian shows all months as charge-off while Equifax shows all months as on-time prior to default. 

Violations Cited : FCRA 607 ( b ) Inaccurate and inconsistent information FCRA 623 ( a ) ( 1 ) ( A ) Reporting data known to be inaccurate FCRA 623 ( a ) ( 2 ) Failure to update and correct FCRA 623 ( a ) ( 5 ) Faulty payment history FCRA 611 ( a ) Unverifiable data must be deleted FDCPA 807 ( 8 ) Misleading credit/debt reporting Requested Relief : I respectfully request the CFPB to : Investigate XXXX XXXX  credit reporting across TransUnion, Experian, and Equifax Direct the credit bureaus to permanently delete this account from my credit reports due to legal violations and unverifiable conflicting data Confirm the removal and prevent any future re-reporting of this inaccurate tradeline Inaccuracies & Violations XXXX XXXX 1 . Inconsistent Date Opened TransUnion : XX/XX/XXXX Experian & Equifax : XX/XX/XXXX Violation : FCRA 607 ( b ) Information must be reported with maximum possible accuracy. 
Why this matters : Open dates affect credit age and payment history calculations. 

2. Inconsistent High Credit TransUnion : {$11000.00} Experian : {$11000.00} Equifax : {$7100.00} Violation : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report information they know to be inaccurate. 
Why this matters : Discrepant high credit values create an unfair view of your past credit utilization. 

3. Account Comments Conflict TransUnion : Charged off as bad debt profit and loss write-off Experian : Merchandise was taken back by credit grantor ; there may be a balance due Equifax : Charged off account Auto Violation : FCRA 607 ( b ) Narrative reporting must be factually consistent. 
Why this matters : Conflicting repossession vs. charge-off narratives create confusion over the account 's disposition. 

4. Date of Last Payment / Activity Does Not Match TransUnion : Last Payment : XX/XX/XXXX Last Active : XX/XX/XXXX Experian : Last Payment : XX/XX/XXXX Last Active : XX/XX/XXXX Equifax : Last Payment : XX/XX/XXXX Last Active : XX/XX/XXXX Violation : FCRA 623 ( a ) ( 2 ) Furnishers must update and correct inaccurate or inconsistent data. 
Why this matters : Inconsistent last activity and payment dates can misrepresent how long the account has been delinquent, which affects FCRA 605 ( a ) removal eligibility ( 7 years from DOFD ). 

5. All Bureaus Show the Same Balance & Past Due After Charge-Off Balance = {$7100.00} Past Due = {$7100.00} Violation : FCRA 607 ( b ) Charged-off debt should not still be listed as actively due unless validated. 

FDCPA 807 ( 8 ) Misleading to report debt as currently owed if charged off or recovered ( repossession ). 
Why this matters : This may double-report the debt one as a charge-off and another as actively owed, which is deceptive. 

6. Payment History Conflict Experian : All months listed as CO ( Charge-Off ) from XX/XX/XXXX through XX/XX/XXXX Equifax : All months show XXXX  up to XX/XX/XXXX Violation : FCRA 623 ( a ) ( 5 ) Accurate payment history must be provided.

FCRA 611 ( a ) Unverifiable or contradictory data must be deleted. 
Why this matters : Two completely different payment histories cant be accurate simultaneously. This supports deletion under FCRA. 

Summary of FCRA & FDCPA Violations Law Violation FCRA 607 ( b ) Inconsistent dates, balances, payment history, and comments FCRA 623 ( a ) ( 1 ) ( A ) Reporting known inaccuracies FCRA 623 ( a ) ( 2 ) Failure to update or correct false data FCRA 623 ( a ) ( 5 ) Inaccurate payment history FCRA 611 ( a ) Data that cant be verified must be deleted FDCPA 807 ( 8 ) Misleading representation of debt or payment obligations

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