Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
There are many violations on the actual REPORTING on my credit report. According to the Fair and Accurate Credit reporting, FCRA 15 U.S. Code 1681b, Fair Debt Collection Practices Act, 15 USC 1692g, and The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, as well as Section 15 U.S. Code 1681i ( a ) ( 5 ) of the FCRA, the information on my credit report must be fair and ACCURATE. I have attached a screen shot of my credit reports. It shows the 'original lender ' as not correlating the same across all 3 bureaus. 

According to the IRS an unpaid charge off is income and according to the FCRA income can not be reported on a credit report. I am requesting a 1099c ( Cancellation of debt ) from the following charged off account below. Check my most recent credit report, the updated information stated the account was purchased by XXXX XXXX. This account can not be reported as a charge off on my credit report after being sold to another lender. 

This account was charged off on the following XX/XX/XXXX since then the account has repeatedly been updated as charged off every month. This is an update in the payment history, a charge off account should not include active payment history. This inaccurate information falsely manipulates the statute of limitations. Your failure to investigate this account properly after i have asked you to do so numerous of times, and your neglect has violated my rights and now EXPECT a deletion of my account for XXXXXXXX XXXX XXXX XXXX XXXXXXXX for inaccurately reporting recent payments and charge off continuously reporting every month AND FALSE PAYMENT UPDATES. 

Please see attachments! 
It states ON MY CREDIT REPORTS the ( last payment ) I made as you will see, was made on XX/XX/XXXX ON TWO CREDIT REPORTING AGENTCIES with one reporting last payment was made on XX/XX/XXXX which is impossible if your reporting states the vehicle was repossessed in XXXX or XXXX of XXXX. ( FIRST VOILATION ) It states ON MY CREDIT REPORT the date last active are different on all 3 credit reporting AGENTCIES with Transunion reporting last date active was on XXXX, Experion reporting last date active was on XXXX and Equifax reporting last date of active was on XXXX. ( SECOND VIOLATION ) Now! I recently received my report sent from Transunion and quickly noticed after reporting last date of active were all those other dates another date of active appears on my credit report were it states, I recently made a {$50.00} payment on XXXX after making a last payment on XXXX and I can continue but have a important meeting in a few but you'll see many inaccuratecies throughtout my report and can't understand why this has fell to catch the eyes of the people we most depend on to protect our consumer right 's because my right has been completely violated after requesting many investigations. I have asked for information of all wish was verified and haven't received that request.

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