Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
This charged off account, using a 1099C in XX/XX/XXXX, is still being reported with a current balance, a current credit limit and/or reflects recent XXXX activity : XXXX XXXX XXXX. After checking my most current credit reports, the updated information still shows as a current C/XXXX  or other derogatory status after the date of XX/XX/XXXX when the account was charged off as a paid debt using a XXXX, converting it to a " CREDIT CARD LOAN '' and a " CANCELATION OF DEBT '', making any balance reporting for months after this date, a report of income. According to the FCRA income can not be reported on a credit report. After the date of XX/XX/XXXX This account can not be reported as a repeated charge off on my credit report or report any other changes to the balance, credit limit, or status after this date as it was a " CANCELLATION OF DEBT '' on XX/XX/XXXX and all values dated thereafter should reflect " {$0.00} '' on all XXXX major CRA reports. In the XXXX  CRA report the " HIGH BALANCE HISTORY '' and " CREDIT LIMIT HISTORY '' shows : " High balance of {$2800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2800.00} from XX/XX/XXXX to XX/XX/XXXX '' AND " Credit limit of {$800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$800.00} from XX/XX/XXXX to XX/XX/XXXX '' even though the account was settled via the XXXX in XX/XX/XXXX and can not show a balance after XX/XX/XXXX. This XXXX should show no info on balances or credit limit past XX/XX/XXXX in both fields. XXXX XXXX " PAYMENT HISTORY '' shows incorrect reporting for last payment date, showing " XXXX '' days in " XX/XX/XXXX '' indicating last payment in " XX/XX/XXXX '', when it should have " XXXX  '' listed in " XX/XX/XXXX '', " XXXX  '' listed in " XX/XX/XXXX '' and " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX  '' in the sequential months thereafter concluding in " XX/XX/XXXX '' where status is changed to " CANCELLATION OF DEBT ''. XXXX XXXX  " BALANCE '' shows a balance of " {$2800.00} '' starting in " XX/XX/XXXX '' through " XX/XX/XXXX '', and an {$800.00} Credit limit shown through the same months when those months fall after the " XX/XX/XXXX '' issuance of the " CANCELLATION OF DEBT '' and should show a " {$0.00} '' balance in those fields. XXXX XXXX also shows you only reporting good payments for " XX/XX/XXXX '' through " XX/XX/XXXX '', when it should show good payments for " XX/XX/XXXX '' through " XX/XX/XXXX ''. EXPERIAN CRA shows a " BALANCE HISTORY '' of " {$2800.00} '' from " XX/XX/XXXX '' through " XX/XX/XXXX '', and " ADDITIONAL INFO '' stating " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$800.00} ", when those months fall after the " XX/XX/XXXX '' issuance of the " CANCELLATION OF DEBT ''. This should show a " {$0.00} '' balance in those fields or no reporting at all of values after XX/XX/XXXX. You even stated, " Under the Fair Credit Reporting Act ( FCRA ), we are obligated to report payment history based on factual account data ''. XXXX improper and inconsistent data to all XXXX CRA is hurting my ability to obtain credit and is in violation of the FCRA. Please correct the reporting information to all XXXX major CRA so they reflect the same and proper information listed above, and do so in accordance with all FCRA regulations

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