Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
I am writing to formally dispute the inaccurate and inconsistent information appearing on my credit report concerning the following account : * Creditor Name : XXXX XXXX XXXX * Account Number XXXX XXXX XXXX Date Opened : XX/XX/XXXX * Balance : {$13000.00} * Status : Charge-off I have previously disputed this account, and I was informed that the information had been " verified. '' However, upon reviewing my updated credit report, the information remains incorrect and continues to violate the Fair Credit Reporting Act ( FCRA ). I am requesting a reinvestigation and deletion of this unverifiable and inconsistent information based on the following : XXXX. Inconsistent Account Type Reporting * TransUnion and Equifax : Report as Installment account * Experian : Reports as Auto LoanThis discrepancy violates FCRA 1681e ( b ), which mandates maximum possible accuracy. Different classifications lead to inconsistent scoring treatment. 

XXXX. Contradictory Payment Terms * TransUnion : Monthly * Experian : XXXX term * Equifax : XXXX ( due every XXXX weeks ) This confusion over how the account was structured affects both credit decisions and debt-to-income calculations. This inconsistency must be resolved or removed. 

XXXX. Missing or XXXX XXXX XXXX XXXX TransUnion XXXX Experian : {$17000.00} * Equifax : No high credit listedIncomplete or missing high credit data violates FCRA 1681i ( a ) and impairs my overall creditworthiness assessment. 

XXXX. Conflicting Date Last Active and Last Payment * Date Last Active varies : XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ), XX/XX/XXXX ( XXXX  ) * Date of Last Payment varies : XX/XX/XXXX ( XXXX & XXXX ), XX/XX/XXXX ( XXXX  ) This information can not be correct on all three reports and reflects continued reporting errors that contradict FCRA standards for timely and accurate reporting. 

XXXX. Comment Discrepancies and Misleading Charge-Off Status * Comments range from Disputed by consumer to CHARGED OFF ACCOUNT to referencing the Fair Credit Reporting Act. 
* FCRA 1681s-2 ( a ) ( XXXX ) requires uniform dispute notations during investigation, and misrepresenting or omitting these comments constitutes inaccurate reporting. 

XXXX. Inconsistent and Confusing Payment History * Monthly payment history across all bureaus includes multiple derogatory codes ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that contradict the accounts charge-off status and make no logical sense. 
* Payment history should reflect factual and clear data only. Per FCRA 1681i ( a ) ( XXXX ) ( A ), any data that can not be verified or is misrepresented must be deleted. 

XXXX XXXX Failure This account was previously disputed and marked as verified, yet the errors persist. Under FCRA 1681i ( a ) ( XXXX ) ( C ), if a reinvestigation does not resolve the dispute, I have the right to demand the removal of this inaccurate information, especially after failed verification attempts. 

Requested Actions XXXX. Reinvestigate the information and correct or delete all inaccuracies. 
XXXX. Delete the XXXX XXXX XXXX account from my credit file if you can not verify the data with 100 % accuracy. 
XXXX. Provide a written statement of the results of your investigation. 
XXXX. Send me a free copy of my updated credit report under FCRA 612. 

Enclosures : * XXXX of highlighted credit report ( errors shown ) * XXXX of government-issued ID * Proof of address Thank you for your immediate attention to this matter. I expect your response within XXXX  days, as required by the FCRA.

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