Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am filing this complaint regarding multiple inaccurate, incomplete, and misleading tradelines reported by Experian and TransUnion on my consumer credit file, in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq. 
Details of Violations : Bank XXXX XXXX ( Acct ending XXXX ) Experian : Reports account as Charged off / Never late. {$25000.00} written off. {$24000.00} past due. 

TransUnion : Lists the same account but provides no balance or data. 

Violation : A tradeline can not simultaneously be charged off, written off, and past due. Reporting across bureaus is inconsistent and misleading. 

XXXXXXXX XXXX XXXX  ( Acct ending XXXX XXXX  ) Experian : Reports as Charged off / Never late with full balances marked past due. 

TransUnion : Lists same accounts with no data. 

Violation : Inconsistent and contradictory reporting across CRAs, violating accuracy requirements. 

XXXX XXXX XXXX ( Acct ending XXXX XXXX Experian : Charged off / Never late. {$18000.00} written off. {$18000.00} past due. 

TransUnion : Lists account with no balance data. 

Violation : Conflicts across CRAs and contradictory status ( never late + charged off ) are misleading. 

XXXXXXXX XXXX  XXXX XXXX Acct XXXX XXXX ) Experian : Balance {$5900.00} | Past due {$610.00} | Monthly XXXX {$250.00}. 

TransUnion : Balance {$5700.00} | Monthly pmt {$230.00} | Status 30 days past due. 

Violation : Conflicting balances and monthly payment amounts. Bureaus are not reporting consistent or accurate data. 

XXXX XXXX ( Acct ending XXXX ) Experian : Reports Charge off every month with {$0.00} balance. 

TransUnion : Lists account with no data. 

Violation : A charge-off is a one-time event, not recurring monthly. Duplicate charge-off reporting is misleading. 

XXXX ( Acct ending XXXX ) Experian : Status Petition for Chapter XXXX Bankruptcy / Never late. 

TransUnion : Status Included in Bankruptcy. Balance {$5700.00}.

Violation : Conflicting bankruptcy statuses never late contradicts bankruptcy inclusion.

Applicable FCRA Sections : 15 U.S.C. 1681e ( b ) : CRAs must assure maximum possible accuracy. Cross-bureau contradictions violate this duty.

15 U.S.C. 1681i ( a ) : CRAs must conduct a reasonable reinvestigation and correct or delete inaccurate information within 30 days.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not provide information known to be inaccurate.

Requested Resolution : Immediate deletion of the inaccurate tradelines listed above. 

Written confirmation that deletions have been completed. 

Implementation of stronger verification procedures to prevent recurrence. 

If Experian or TransUnion fail to remove these inaccuracies, I reserve my right to pursue private litigation under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance with the FCRA, including actual, statutory, and punitive damages, as well as attorneys fees.

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