Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
The response from the Bank revealed and at the same time verified the conflicting information contained in their records. Their information also revealed that documents in their original account file was misleading and not aligned with the documentation submitted by the Executive Office of XXXX XXXX. Below please excerpts from the XX/XX/XXXX Experian report and the summary statement from XXXX XXXX  Executive office XX/XX/XXXX : XXXX XXXX POTENTIALLY NEGATIVE MONTHS Balance details Balance {$5700.00} Balance updated XXXX XXXX, XXXX Original balance {$27000.00} Original balance {$27000.00} Monthly payment - Last payment date XX/XX/XXXX Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments Account previously in dispute investigation complete reported by data furnisher Your statement - PAYMENT HISTORY LEGEND Status Account charged off. {$27000.00} written off. 
{$5700.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount Contact info Address XXXX, PA XXXX Phone number On XX/XX/XXXXXXXX XXXX XXXX responded to my request for Maximum Accuracy under the provisions of FCRA 15 USC 1681 ( n ). This is an excerpt from their Final Letter. I can only assume that the information provided to the Executive Office is from the account file that is held and maintained by XXXXXXXX XXXX It was submitted with attachments via the CFPB portal : According to our records, there were no payments made on the Loan by you. On XX/XX/XXXX, the Loan was charged off in the amount of {$28000.00} for non-payment, which included the principal amount of {$27000.00} and late charges and interest of XXXX. - XXXX XXXX, XXXX XXXX Executive Team - XXXXXXXX XXXX  XX/XX/XXXX Below is the report submitted to Experian by XXXXXXXX XXXX XXXXXX/XX/XXXX. 
Please take note of the conflicting charged off amount that is being reported on XX/XX/XXXX. 
Please note that the Charge Off dates are different. It is no longer being reported Please note that charged off amounts continue to be reported different from the XX/XX/XXXX final letter to CFPB and the XX/XX/XXXX most recent report to Experian and TransUnion XXXX note the Payment History Chart. The Chart does not include the XX/XX/XXXX payment documented by XXXXXXXX XXXX Please note that the LAST PAYMENT MADE is dated XX/XX/XXXX Please note that XXXX is no longer reporting this inaccurate information from XXXXXXXX XXXX  Despite the fact XXXX XXXX  was fully aware that CFPB was conducting an investigation of this ongoing complaint during this same time period, XXXX XXXX apparently failed to review its own submissions to Experian and TransUnion because none of the items listed were addressed or corrected. 
The requirements of the FCRA is accuracy in reporting. As a last resort, I requested that XXXXXXXX XXXX  abide by the provision of 15 USC 1681 ( n ). By virtue of documents of proof presented by XXXXXXXX XXXX XXXX office, I have placed into a condensed format the items in dispute to facilitate a review and comparison on their individual merits. XXXXXXXX XXXX has failed to report accurately and therefore is not compliant with the Congressional intent of reasonable reporting requirements. and does warrant further investigation up to and including litigation. My complaint, despite my personal failings, was to have the information reported correctly and accurately. To that end, I have sufficiently proven their reporting to the bureaus has consistently not been in compliance and, certainly not reporting accurately based upon the information submitted by the Executive offices of XXXXXXXX XXXX to the CFPB.

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