Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account was previously removed from my credit report after a dispute, as it was deemed inaccurate and unverifiable. Recently, it was reinserted, now reporting as XXXX / XXXX XXXX with a balance of approximately {$19000.00}. XXXX has deleted it entirely, while XXXX and Experian continue to report it with conflicting details. 
This reinsertion violates the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ) because : No written notice was provided within XXXX business days of reinsertion. 
No certification of accuracy from XXXX XXXX was provided. 
The account remains deleted from XXXX  but reappeared on XXXX and Experian, proving the data is inconsistent and unverifiable. 
Additional inaccuracies : XXXX vs. XXXX XXXX : Reported as closed/charged-off yet still shows a {$19000.00} balance. 
Re-Aging : Dates updated into XXXX despite the account originating in XXXX, unlawfully extending its life. 
Inconsistent Payment History : XXXX lists none reported, while Experian lists continuous CO entries. 
Dispute Status Conflict : Experian lists Account disputed under FCRA, while TransUnion lists Account not disputed. 
Account Type Misclassification : Reported as Finance, personal by XXXX and XXXX Loan by Experian. XXXX is an auto finance lender, not a XXXX XXXX XXXX. 

XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account continues to appear on my Experian report as Closed / Charge-off with a balance of {$1400.00}. It has already been removed from both XXXX XXXX XXXX which proves the data is inconsistent and unverifiable. 
Inaccuracies include : XXXX vs. XXXX XXXX : Reported as closed/charge-off but still shows a {$1400.00} balance. A true charge-off should show {$0.00} or transferred. 
Re-Aging : Opened XX/XX/XXXX, closed XX/XX/XXXX, but Experian continues updating into XX/XX/XXXX. This makes the derogatory appear newer than it is. 
Incomplete Payment History : Only repeated CO entries are listed, without a full payment sequence. 
Contradictory Dispute Status : Dispute resolved consumer disagrees is noted, yet Experian continues negative reporting without proper certification. 
Inflated Delinquency Counts : Experian lists multiple late-payment severities ( XXXX, XXXX, XXXX days ) while the other bureaus list none. 

XXXX BANK ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Experian continue to report XXXX late payments ( XXXX XXXX XXXX days, XXXX XXXX XXXX days ), even after XXXX previously reported lates were deleted as inaccurate. 
Inaccuracies include : Selective Deletions : XXXX lates were removed, but XXXX remain without proper justification, showing inconsistency. 
Improper Late Payment Sequences : The XXXX lates appear as isolated single months surrounded by OK statuses. A true XXXX late requires a full billing cycle of delinquency. 
Conflicting XXXX XXXX : XXXX  lists Pays as agreed, while Experian says XXXX, was past due XXXX days XXXX times. These statements can not both be true. 
XXXX XXXX Amounts : Only the {$27.00} regular payment is shown. The actual past-due balances are not reported, leaving the entries unverifiable. 
Dispute Status Conflict : Experian notes previously in dispute resolved reported by subscriber, while XXXX lists Account not disputed.

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