Consumer complaint received 2025-08-14 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: MS

Complaint narrative:
I am filing this complaint against Experian for reporting incomplete and misleading account information on my credit file. This complaint is not directed at XXXX XXXX ( XXXX ) or XXXX, but specifically at Experian for failing to ensure that reported tradelines meet the accuracy and completeness requirements of the Fair Credit Reporting Act ( FCRA ) and industry-standard Metro 2 reporting guidelines. 

Account 1 XXXX XXXX ( Closed, Charge-Off ) Experian reports this account as a Charge Off with the only entry in the payment history being Charge Off XX/XX/XXXX. No prior payment history is displayed. 

Additionally, in the Account Information section, the following fields are blank : Balance Balance Updated Date Credit Limit Monthly Payment The only balance-related field present is Highest Balance of {$2100.00}. 

This is incomplete and misleading under FCRA 1681e ( b ) and FCRA 1681i, as well as Metro 2 reporting standards, which require complete and consistent reporting of key fields such as balance, credit limit, and payment history profile. Omitting these material details makes the tradeline appear vague and potentially more adverse than it is in reality.

Account 2 JPMCB ( Closed, Still Making Payments ) Experian reports three 30-day late payments for XXXX, XXXX, and XX/XX/XXXX. I do not believe these are accurate and I dispute them. 

Furthermore, Experians payment history for this account stops reporting OK or Paid notations after XX/XX/XXXX and instead lists CLS ( Closed ) each month from XX/XX/XXXX to present despite the fact that I have continued making monthly payments on time. 

Experian also correctly lists my Last Payment Date as XX/XX/XXXX, which proves there has been ongoing positive payment activity. However, Experian fails to display those positive payment entries in the payment history, effectively omitting material favourable information from my file. This omission violates FCRA 1681e ( b ), FCRA 1681i, and Metro 2 requirements that active payment activity must be accurately reflected month by month, even for closed accounts. 

Requested Resolution : For the XXXX tradeline Ensure the account is reported with complete and accurate data in all mandatory fields, including a full payment history, balance, and credit limit, consistent with Metro 2 standards. 

For the XXXX tradeline Remove the disputed 30-day late notations for XXXX, XXXX, and XX/XX/XXXX unless Experian can provide documented evidence from XXXX showing they are accurate. Also, update the payment history to accurately reflect all on-time payments from XX/XX/XXXX to present. 

Provide confirmation that Experians procedures comply with FCRA 1681e ( b ) in relation to reporting complete and accurate tradeline data.

I will attach : A copy of my Experian credit report highlighting the incomplete and inconsistent entries, A copy of my TransUnion credit report showing the XXXX closure date. 

These errors are causing reputational and financial harm by misrepresenting my payment history and account details to potential creditors. I request immediate corrective action.

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