Consumer complaint received 2025-12-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX  is furnishing fraudulent inaccurate, incomplete, inconsistent, and misleading information to the consumer reporting agencies in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). The follow account has been disputed as fraudulent as well as inaccurate according to the FCRA Many times with no resolution I am requesting that the CFPB require XXXX XXXXXXXX XXXX  to Immediately delete and block this tradeline from all consumer reporting agencies FCRA VIOLATIONS IDENTIFIED 1 Inconsistent High Balance Reporting Experian : {$0.00} XXXX  : {$350.00} Violation Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report accurate and complete information.

A credit card can not have : A balance owed of {$350.00} While simultaneously reporting a high balance of {$0.00} This is materially inaccurate and misleading to lenders. 

Violation : Inaccurate reporting of material account data XXXX Illegal Re-aging/ Conflicting Date of Last Activity Experian : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Violation Under FCRA 623 ( a ) ( 5 ) and 605 ( c ) : The Date of First Delinquency ( DOFD ) must be identical across all bureaus Re-aging an account to keep it reporting longer is illegal These conflicting dates strongly suggest re-aging.

Violation : Improper or inconsistent DOFD reporting 3 Account Marked Closed but Reporting Ongoing Charge-Offs Account Status : Closed Payment Status : Collection / Charge-Off Experian shows continuous CO monthly reporting Violation Per FCRA 623 ( a ) ( 1 ) ( A ) and CFPB guidance : A charge-off may only be reported once Re-reporting monthly charge-offs is misleading and punitive Violation : Continuous inaccurate derogatory reporting XXXX Failure to Report Payment History XXXX XXXX XXXX XXXX XXXX  NONE REPORTED Experian : XXXX CO payment grid XXXX  : Blank grid Violation Under FCRA XXXX XXXX a ) ( XXXX ) : Furnishers must report information consistently and completely Selectively reporting negative data while omitting history elsewhere is data suppression Violation : Incomplete and inconsistent reporting XXXX Conflicting Dispute Status Experian : Account not disputed XXXX  : Account disputed Violation Under FCRA XXXX XXXX a ) ( XXXX ) : When an account is disputed, it must be flagged as disputed across all CRAs Failure to mark as disputed is a standalone FCRA violation Violation : Failure to properly report dispute status 6 Days Late Metrics Are Internally Inconsistent Experian shows : 30 days late : XXXX 60 days late : XXXX 90 days late : XXXX But : No verified payment history No clear progression No consistent reporting across bureaus Violation Under FCRA XXXX ( a ) ( XXXX ) ( A ) : Delinquency metrics must be verifiable and supported Unsupported late counts are unsubstantiated derogatories Violation : Unverifiable delinquency reporting XXXX Credit Limit vs Balance Discrepancy Credit Limit : {$300.00} XXXX XXXX XXXX {$350.00} Violation Charging above the limit after closure/charge-off without itemized fees violates : Accuracy Completeness Verifiability standards Violation : Inflated balance without accounting SUMMARY OF FCRA SECTIONS VIOLATED SectionDescription XXXX ( a ) ( XXXX ) ( A ) Inaccurate / misleading reporting XXXX ( a ) ( XXXX ) Incomplete information XXXX ( a ) ( XXXX ) Failure to mark account as disputed XXXX ( a ) ( XXXX ) Improper delinquency dating XXXX ( c ) Illegal re-aging XXXX ( a ) Failure to properly investigate disputes

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