Consumer complaint received 2025-03-10 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: PA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) across all three credit bureaus : Experian, Equifax, and TransUnion. The errors and violations make the reporting misleading, inconsistent, and unverifiable, requiring immediate deletion of this account. '' Future Date Reporting ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681i ( a ) ( 5 ) Unverifiable Information Must Be Deleted Equifax, Experian, and TransUnion report a 'Balance Updated " date of XX/XX/XXXX. 
This is impossible since we are already in XX/XX/XXXX. 
Any inaccurate or unverifiable information must be removed under the FCRA. 

Charge-Off with an Outstanding Balance ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681s-2 ( a ) Furnishers Must Report Accurate Information The account is reported as charged off but still shows a past due balance of {$30000.00}.

A charge-off means the lender has written off the debt and should not be reporting an outstanding balance.

If the debt was sold or transferred, the balance should be reported as {$0.00}.

Contradictory Payment History Reporting Conflicts ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681e ( b ) Inconsistent & Misleading Reporting TransUnion reports no past due balance in early XXXX, but later months suddenly show delinquencies. 
Experian and Equifax list the account as past due throughout XXXX, contradicting TransUnion. 
The account can not be both current and delinquent at the same time, making this reporting unverifiable. 
Inconsistent Account Open Date vs. First Delinquency ( FCRA Violation ) Violation : FCRA 15 U.S.C. 1681e ( b ) Inaccurate Reporting The account was opened in XX/XX/XXXX, but the first delinquency is reported as XX/XX/XXXX. 
This suggests the loan defaulted in just 5 months, which is highly unusual and signals a potential reporting error. 

No Proof of Debt Ownership ( FDCPA Violation ) Violation : FDCPA 15 U.S.C. 1692g Debt Validation Requirement My credit reports do not indicate whether XXXX XXXX XXXX XXXX still owns this debt. 
If the debt has been sold to a third-party collection agency, they must report a {$0.00} balance. 
If XXXX XXXX can not provide proof of ownership, this account must be deleted. 
Due to multiple violations across Experian, Equifax, and TransUnion, I am requesting the immediate deletion of this XXXX XXXX XXXX XXXX account from my credit reports. The reporting is factually incorrect, inconsistent, and unverifiable, violating the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

If XXXX XXXX can not verify and correct every single inaccuracy, the only legal option is to delete this account immediately. 

I request that the Consumer Financial Protection Bureau ( CFPB ) take immediate action to ensure XXXX XXXX XXXX XXXX complies with federal law

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