Consumer complaint received 2025-11-06 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: TX

Complaint narrative:
I am filing this complaint against Experian because my Experian credit file contains multiple tradelines that are inaccurate, incomplete, and misleading, in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to XXXX XXXX. XXXX ( b ) ( duty to assure maximum possible accuracy ) and XXXX ( duty to conduct a reasonable reinvestigation ). 

XXXX reporting is also inconsistent with the industry standard Metro 2 Credit Reporting Resource Guide, particularly with respect to charge-offs, sold accounts, payment history, and high-credit/limit fields. Below are the specific accounts and errors : XXXX. XXXX Experian acct XXXX XXXXXXXX XXXX XXXX  Experian shows this account as Collection/Chargeoff with a {$0.00} balance and {$0.00} past due, and comments that it was Purchased by another lender. Unpaid balance reported as a loss by credit grantor. 
At the same time, Experian reports High Credit as {$0.00} even though the credit limit is listed as {$400.00}, which is internally impossible a revolving account with a {$400.00} limit and a charged-off balance can not have a lifetime high credit of {$0.00}. 
Another bureau reports an actual high credit amount, showing that Experians {$0.00} high credit is factually wrong and misleading. 
Under FCRA 1681e ( b ) and Metro 2, Experian must not report a sold/charged-off account with a {$0.00} balance as if it is still an active collection tradeline, and must accurately report the historical high credit / usage. 

Because Experian refuses to correct these inconsistencies, this tradeline is harming my score and must be corrected or deleted. 



XXXX. XXXX Experian acct ending XXXXXXXX XXXX XXXX  Experian reports this account as Collection/Chargeoff with a large balance and past-due amount, but sets High Credit to {$0.00}, while another bureau reports an actual high credit over {$2500.00}. Reporting {$0.00} high credit is factually wrong and inflates my utilization and risk profile. 
In the XXXX payment history, Experian codes every single month as CO ( charge-off ), while another bureau reports OK for those same months. This means Experian is treating every month as a fresh charge-off, which is inconsistent with both reality and Metro 2 guidance, which calls for accurate delinquency history and DOFD not perpetual CO coding that exaggerates the severity of the account. 
This pattern is misleading and violates FCRA 1681e ( b ) because Experian is not assuring maximum possible accuracy or consistency with the underlying furnisher data. 



XXXX. XXXX  XXXX Experian acct ending XXXXXXXX XXXX XXXX  Experian again reports this as Collection/Chargeoff with a large balance but High Credit is listed as {$0.00}, even though the credit limit is {$4000.00}. Another bureau shows an actual high credit close to the charged-off amount. High credit can not be {$0.00} on an account that clearly had usage and was later charged off. 
XXXX comments also state the account was in dispute now resolved unpaid balance reported as a loss by the credit grantor, yet the payment history grid shows CO in every month, rather than accurate pre-chargeoff history. Another bureau does not show this constant CO pattern. 
Under Metro 2 and FCRA 1681e ( b ), Experian must present accurate, non-misleading payment history ; repeating CO every month after charge-off is punitive, misrepresents the timeline of delinquency, and can amount to functional re-aging of the derogatory information. 



XXXX XXXX Experian acct ending XXXXXXXX XXXX XXXX Experian reports this as a charge-off with a significant balance and past-due amount, but once again sets High Credit to {$0.00} despite a reported credit limit of {$4700.00} and a balance of {$2600.00}. Another bureau shows a real high credit near {$4700.00}, so XXXX  {$0.00} is clearly inaccurate. 
XXXX payment history shows CO for virtually every month in the XXXX grid, while another bureau shows OK for those same months after charge-off. This is inconsistent inter-bureau reporting and not maximum possible accuracy. 
This violates FCRA 1681e ( b ) and fails to follow Metro 2s expectations for reporting closed charge-offs and correct historical payment patterns. 



XXXX. XXXX Experian acct ending XXXXXXXX XXXX XXXX Experian is again reporting High Credit as {$0.00} on a charge-off with a balance of {$4500.00} and a credit limit of {$5400.00}. Another bureau reports an actual high credit over {$5500.00}. Listing {$0.00} misstates my historic utilization and artificially makes this tradeline look worse on Experian. 
The payment grid shows CO in every month for the past XXXX years, not just in the actual charge-off month and months of delinquency. Another bureau shows OK for those months, which means at least XXXX bureau is wrong and Experian is choosing the more severe and damaging coding without verifying accuracy. 
This pattern of repeated CO coding after the account has already charged off is inconsistent with the Metro 2 Credit Reporting Resource Guide and violates XXXX  statutory duty under XXXX ( b ). 



XXXX. XXXX ( Original Creditor : XXXX XXXX ) Experian acct ending XXXXXXXX XXXX XXXX  This is a third-party collection account that Experian reports as Collection/Chargeoff XXXX 
The Date Opened, Date Last Active, and Date of First Delinquency information is unclear and incomplete in XXXX  file. There is no transparent DOFD field for me, even though FCRA and Metro 2 require the collection agency to furnish the original DOFD so that the XXXX obsolescence date is calculated correctly. 
Without clear XXXX information, Experian is at risk of re-aging this collection, keeping it on my file longer than allowed under FCRA 1681c ( a ) ( 4 ). That is not maximum possible accuracy or fair treatment to the consumer. 



XXXX XXXX XXXX XXXXXXXX Experian acct ending XXXX Experian reports this XXXX  XXXX XXXX account as Collection/Chargeoff with a balance and past due amount, but again sets High Credit to {$0.00}, while another bureau reports a high credit over {$5000.00}. 
XXXX comments say Credit line closed consumer request unpaid balance reported as a loss by the credit grantor, but the payment history shows CO in every month in the last XXXX years. Another bureau shows OK in those same months. 
This constant CO coding severely damages my Experian score and misrepresents the accounts actual delinquency pattern. It fails to comply with 1681e ( b ) and Metro 2s guidance that historical payment patterns and DOFD must be accurately reflected and not exaggerated. 



XXXX. XXXX Experian acct ending XXXXXXXX XXXX XXXX Experian lists this XXXX XXXX as a charge-off with a balance and past due amount, but again High Credit is listed as {$0.00} even though there is a {$5000.00} credit limit and another bureau shows high credit around {$4600.00}. Reporting a {$0.00} high credit is plainly inaccurate. 
XXXX comments indicate the account was in dispute now resolved reported by subscriber, unpaid balance reported as a loss, yet the payment history grid is all CO, month after month, instead of reflecting when the account actually became delinquent. 
This repeated, long-term CO coding when another bureau is not doing the same is misleading and punitive, and violates FCRA 1681e ( b ) and the reinvestigation duty under 1681i because Experian has not corrected these inconsistencies after being put on notice. 



XXXX. XXXX XXXX Experian acct ending XXXXXXXX XXXX XXXX Experian reports this XXXX  account as a charge-off with a very large balance and past-due amount, yet sets High Credit to {$0.00} while another bureau lists high XXXX XXXX {$11000.00} XXXX 
XXXX comments state the account has been closed due to inactivity and the unpaid balance is reported as a loss, but payment history again shows CO in every month in the XXXX grid. Another bureau shows all OK during that same timeframe. 
Experian is therefore reporting a more negative and inaccurate picture than other CRAs, without any proof that its version is correct, violating 1681e ( b ) and Metro 2 consistency requirements. 



XXXXXXXX XXXX Experian acct XXXX XXXXXXXX XXXX XXXX  Experian reports a charge-off with balance and past due amounts, but High Credit is listed as {$0.00} while another bureau shows a high credit near {$960.00}. This is not the maximum possible accuracy the FCRA demands. 
Experian shows constant CO codes in the payment history, whereas another bureau reports OK for the same months after charge-off. That pattern suggests Experian is effectively re-aging the derogatory status every month and overstating the delinquency. 
This violates FCRA 1681e ( b ) and conflicts with Metro 2 guidance regarding how closed charge-offs and Payment History Profiles should be reported. 



XXXX. XXXX Experian acct endinXXXX XXXX XXXX XXXX  Experian lists this XXXX XXXX account as Collection/Chargeoff with a balance and past due amount, while again setting High Credit to {$0.00} even though the credit limit is {$2100.00} and another bureau shows a high credit over {$4000.00}. 
The last two-year payment history row for Experian is nothing but CO, while another bureau shows OK. This is not a minor discrepancy Experian is recording XXXX  months of ongoing charge-off, which is not how Metro 2 instructs charge-offs to be reported, and severely depresses my Experian score. 
Experian is not meeting its obligations under 1681e ( b ) or 1681i to ensure accurate and fairly presented information. 



XXXX. XXXX ( Mortgage XXXX Experian acct ending XXXXXXXX XXXX XXXX Experian is reporting XXXX and XXXX late payments in the payment history grid on my open mortgage in several recent months. Based on my records, these payments were not actually XXXX or XXXX  days late, and were made within the contractual grace periods. 
Because this is my mortgage, these false late markers are extremely damaging. Under FCRA 1681e ( b ) and 1681i, Experian must obtain actual payment records from the servicer rather than relying on obviously inconsistent or incorrect data coding. 
Metro 2 requires accurate payment status and history, especially on real estate mortgages. Continual reporting of inaccurate XXXX late codes on a current mortgage is a serious violation and misrepresents my creditworthiness. 



In summary, XXXX reporting shows a pattern of : Setting High Credit to {$0.00} on multiple charged-off revolving accounts where other bureaus show real high-credit amounts. 
Coding every month as CO in the payment history for charge-off accounts, while other bureaus show OK for the same months, effectively exaggerating delinquency. 
Failing to clearly and accurately report XXXX information for a XXXX  collection, risking re-aging beyond the XXXX limit. 
Misstating late payments on my open mortgage. 

These systemic inaccuracies are not maximum possible accuracy and violate XXXX obligations under the 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