Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
Subject : Inaccurate Credit Reporting and Inconsistent Furnisher Data Request for Investigation Under FCRA Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I am filing this complaint regarding inaccurate and inconsistent credit reporting on my credit files with Equifax, TransUnion, and Experian. I obtained a tri-merge report on XX/XX/XXXX and identified multiple discrepancies in account histories, derogatory reporting, and personal identifying information. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX credit card account ( opened around XX/XX/XXXX, {$1800.00} limit ) shows different late-payment histories across the XXXX bureaus : All three report the account as currently paid/closed with {$0.00} balance, but : Equifax : 30 days late in XX/XX/XXXX and XX/XX/XXXX TransUnion : same two 30-day lates Experian : only shows XX/XX/XXXX as 30 days late, but not XX/XX/XXXX Comments/ dispute notation are also phrased differently between bureaus, even though they refer to the same investigation. 
I am requesting that the bureaus and XXXX XXXX either : Provide consistent, fully verified delinquency dates across all three bureaus ; or Remove any unverifiable or inconsistent derogatory late-payment notations. 
This is requested under FCRA 611 ( Reinvestigation ) and 623 ( Duties of Furnishers ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Experian Only ) A charge-off for XXXX XXXX XXXX XXXX appears only on Experian : Experian shows : Status : Charge Off / Other Derogatory unpaid balance reported as a loss Balance : {$4200.00} History : 30-, 60-, 90-day XXXX XXXX in XXXX, then charge-off. 
There is no corresponding account on Equifax or TransUnion. 
I am requesting that this tradeline be verified with complete documentation from the furnisher or removed if it can not be fully substantiated and reported consistently. A major derogatory appearing on only one bureau creates an unfair and misleading picture, in violation of FCRA 602 ( accuracy and fairness ) and XXXX XXXX. 
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX Conflicting Charge-Off & Delinquency History The Synovus/First Progre credit card ( approx. {$200.00} limit, opened XX/XX/XXXX ) is reported differently by each bureau : Equifax : Status : Bad debt/collection, paid charge-off Multiple 90-day lates spanning XXXX TransUnion : Status : None reported in the Worst Delinquency field Long history of 90-day lates listed month-by-month from XXXX Experian : Status : Charge Off / Other Derogatory 90-day lates and charge-off sequence also present, but pattern and dates differ Despite this, all three show {$0.00} balance and that the account is closed. 
These conflicting notations make it impossible for me, or any lender, to understand the true status and history of this account. Under FCRA 611, I request that the bureaus and XXXX XXXX  : Provide a single, consistent, verified delinquency and charge-off history, or Remove any inconsistent/unverifiable derogatory data. 
XXXX. Missing or Incomplete XXXX Loan Updates XXXX XXXX Dept. of Education I have a student loan previously serviced by XXXX XXXX Dept. of Education : XXXX ( closed ) : Equifax and TransUnion show the account transferred/closed with {$0.00} balance and normal payment history. 
Experian shows No update received and appears not to be fully updated to match the other bureaus despite the transfer/closure. 
Dept. of Ed ( current ) : Equifax and TransUnion show the account as in good standing with regular updates and payment/deferment notes. 
Experian again shows No update received and incomplete recent history. 
These discrepancies mean Experian is not reflecting the same accurate, current status as the other bureaus, which can negatively impact underwriting decisions. 
Under FCRA 611 and 623, I request that : The furnishers and Experian ensure that all student loan tradelines are accurately updated and consistent with Equifax/TransUnion . 
Any unverified or stale status codes be corrected. 
XXXX. Personal Information Inconsistencies ( Name, SSN Masking, and Addresses ) On the personal information section : Experian lists a former name as XXXX XXXX, which is a reversed and incorrect version of my legal name, XXXX XXXX. 
Experian masks my SSN differently ( XXXX  ) than Equifax/TransUnion ( XXXX ) XXXX 
Experian also lists certain addresses with extra appended digits : XXXX XXXX XXXX, XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX I am requesting that : The incorrect former name be removed or corrected. 
Address formatting be corrected to standard XXXX or XXXX only if accurate and verified. 
All personal identifying information be consistent and accurate. 
Harm Suffered These inaccuracies and inconsistencies are likely causing : Lower credit scores than warranted, due to extra or misreported derogatories. 
Confusion for lenders reviewing my reports. 
Increased risk of adverse action and denials based on incomplete or misleading data. 
Requested Resolution I am requesting that the CFPB : Require Equifax, TransUnion, Experian, and the relevant furnishers ( XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX, Dept. of Education ) to conduct a thorough reinvestigation of each disputed item. 
Ensure the bureaus only report accurate, complete, and consistent information, and delete any item that can not be verified with proper documentation. 
Require written results of all investigations and updated copies of my credit reports. 
I am attaching my dispute letters to each bureau, a discrepancy spreadsheet that summarizes each error, and excerpts from my credit report. 
Thank you for your assistance.

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