Consumer complaint received 2025-07-21 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: MS

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information that is currently being reported on my credit file. The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX thorough review of my credit reports, I have identified the following discrepancies that warrant immediate investigation : XXXX XXXX XXXX XXXX XXXX This account is inaccurately reporting a charge-off month after month beyond the actual date of default. Specifically, Experian lists charge-offs in XXXX and XX/XX/XXXX, even though the last payment was in XX/XX/XXXX and the account was closed by XX/XX/XXXX. This violates XXXX XXXX and the Fair Credit Reporting Act ( FCRA ), both of which dictate that a charge-off is a XXXX-time event. Re-aging this account monthly is not only misleading, it is unlawful. 

Additionally, there are serious reporting inconsistencies : Date of last payment varies : Experian and Equifax list XX/XX/XXXX, while TransUnion shows XX/XX/XXXX. 

Date closed is inconsistent : Experian and Equifax report XXXX, while TransUnion reports XX/XX/XXXX. 

Status updates appear after the account was paid and closed, with continued negative remarks and inaccurate {$0.00} balance notations that conflict with the charge-off status. 

XXXX : XXXX the account was closed on XX/XX/XXXX, with the last payment made on XX/XX/XXXX, yet both Experian and TransUnion continue to update the account monthly through XXXX, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting guidelines. A charge-off is a one-time event, but the bureaus are reporting it every single month from XX/XX/XXXX to XX/XX/XXXX, falsely inflating the negative impact on the consumer 's credit profile. This is known as re-aging, which is prohibited. Additionally, the balance remains listed at {$1400.00}, even though no payments or activity have occurred since XXXX, and the account should have aged out of active reporting. 

The credit limit is also being misrepresented. It is shown as {$500.00} with a high balance of {$1400.00}, and these figures are still being updated as recently as XX/XX/XXXX according to TransUnion, despite the account being inactive for nearly XXXX  years. Furthermore, the payment history inaccurately reflects consistent CO ( charge-off ) statuses for nearly XXXX consecutive months after closure, which misleads lenders into thinking the account is currently delinquent. Experian also incorrectly lists XXXX, XXXX, XXXX, XXXX, and XXXX delinquencies during periods when the account should have been static due to inactivity. 

In summary, the XXXX XXXX account is incorrectly reporting ongoing charge-offs, active balance and credit limit updates, false delinquency statuses, and mismatched closure/payment dates, all of which are materially misleading and in direct violation of federal credit reporting laws I am formally requesting : A thorough investigation into the reporting practices of both accounts mentioned above. 

Immediate correction or permanent deletion of these accounts from my credit file if they can not be verified as accurate and compliant with FCRA. 

Please complete this investigation within the XXXX period allowed under the FCRA and send written confirmation of the results to the mailing address on file. 

Thank you for your attention to this matter.

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