Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I have one or more accounts on my credit report that were previously charged off, but I have since paid them in full. However, they are still reporting as Charged Off while also showing Paid in Full or Closed.

This dual reporting is misleading. Although I have satisfied the debt, the presence of the Charged Off label may make it appear that I still have unresolved defaults, which could negatively affect how lenders view my creditworthiness.

I believe this reporting is inaccurate and does not fairly reflect my current standing.

I am attaching a copy of my credit report highlighting the accounts in question.

OVERVIEW XXXX XXXX XXXX  XXXX XXXX CLOSED ACCOUNT STATUS Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING  Creditor Classification - Loan Type XXXX Original Creditor Name - Months Reviewed 31 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY BALANCE AND AMOUNTS Balance {$0.00} Credit Limit {$500.00} High Credit - Available Credit {$500.00} ACCOUNT DATES Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX COMMENTS AND CONTACT CONSUMER DISPUTES REINVESTIGATION IN XXXX  For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX OVERVIEW XXXX XXXX XXXX XXXX XXXX CLOSED ACCOUNT STATUS Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification - Loan Type CREDIT_CARD Original Creditor Name - Months Reviewed 45 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY Term Duration - Purchased From - Sold To - BALANCE AND AMOUNTS Balance {$0.00} Credit Limit {$200.00} High Credit - Available Credit {$200.00} ACCOUNT DATES Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX COMMENTS AND CONTACT CONSUMER DISPUTES REINVESTIGATION IN PROGRESS For questions regarding this account please contact : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX OVERVIEW XXXX XXXX XXXX CLOSED ACCOUNT STATUS Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification - Loan Type CREDIT_CARD Original Creditor Name - Months Reviewed 19 Activity Designator TRANSFER_OR_SOLD Terms Frequency - Term Duration - Purchased From - Sold To XXXX XXXX XXXX BALANCE AND AMOUNTS Balance {$0.00} Credit Limit - High Credit - Available Credit - ACCOUNT DATES Date Opened XX/XX/XXXX Date Reported XXXX XXXX, XXXX Date of Last Activity - Date of First Delinquency XX/XX/XXXX COMMENTS AND CONTACT CHARGED OFF ACCOUNT ACCOUNT TRANSFERRED OR SOLD CREDIT CARD For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CLOSED ACCOUNT STATUS OVERVIEW Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification - Loan Type SECURED_CREDIT_CARD Original Creditor Name - Months Reviewed 12 Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY Term Duration - Purchased From - Sold To - BALANCE AND AMOUNTS Balance {$0.00} Credit Limit {$500.00} High Credit {$570.00} Available Credit {$500.00} ACCOUNT DATES Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity XX/XX/XXXX Date of First Delinquency - COMMENTS AND CONTACT CLOSED OR PAID ACCOUNT/XXXX  BALANCE SECURED CREDIT CARD For questions regarding this account please contact : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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