Consumer complaint received 2025-08-07 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: RI

Complaint narrative:
I am disputing the reporting of an auto lease account from XXXX XXXX XXXX ( Account # XXXX ) that is being reported inaccurately, inconsistently, and unlawfully across all three major credit bureaus Experian, XXXX, and XXXX. These reporting errors violate the Fair Credit Reporting Act ( FCRA ), XXXX XXXX compliance standards, and consumer protection laws under both federal and state statutes. 

I am requesting a full, independent reinvestigation under FCRA 1681i, and am asserting my rights under FCRA 1681e ( b ), which requires credit bureaus to maintain the maximum possible accuracy in credit reporting. 

Breakdown of Inaccuracies by Bureau : Experian Payment Status : Current, was past due 180 days or more this is categorically false. The account is closed and marked terminated in other reports. A closed account can not be current and 180+ days past due.

Payment History : Reports 120-day lates for XXXX consecutive months ( XX/XX/XXXX to XX/XX/XXXX ). This is impossible under XXXX XXXX rules once an account hits 120+, it must either cure, charge off, or close. Repeating 120 lates shows fabricated or mishandled data. 

Last Activity : Experian reports XX/XX/XXXX, while others list XX/XX/XXXX or XX/XX/XXXX this is a critical inconsistency. 

Balance : Still reports {$12000.00}, even though XXXX  says the lease was completed per terms. There should be no remaining balance if the lease is closed and paid. 

XXXX  Payment History : Shows OK for every month, including the same months where Experian and XXXX  report 60- to 120-day delinquencies. This is clearly contradictory. 

Comments : " Full termination/balance owing '' but no explanation why this balance remains or if the account is being collected. 

Status : Paid or paying as agreed also inconsistent with other reports that show late payment history. 

Equifax Payment Status : Pays account as agreed conflicts with Experians late payment data. 

Comments : States LEASE-FULL TERMINATION / ENTIRE PAYMENT SCHEDULE COMPLETED, which would indicate the account is closed and satisfied, yet still lists a balance of {$12000.00}. 

Delinquency Reporting : Shows a chaotic and misleading timeline of delinquencies 120, 90, 60, and back to 90. This makes no logical sense under XXXX XXXX standards and is materially misleading. 

Legal Violations Across All Bureaus : FCRA 1681e ( b ) Failure to maintain maximum possible accuracy.

FCRA 1681i Failure to conduct a reasonable reinvestigation. 

FCRA 1681c ( a ) Reporting of outdated or incomplete account data.

15 U.S. Code 45 Deceptive or unfair reporting practices.

Consumer Financial Protection Act of 2010 Unfair, deceptive, or abusive acts/practices ( UDAAP ). 

XXXX XXXX Format Guidelines Violations of standardized credit reporting framework. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ) : A CRA must do more than simply accept a furnishers word. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Reiterates obligation for accurate, non-misleading reporting. 

XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Reporting misleading info, even if technically correct, can violate FCRA.

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