Consumer complaint received 2025-05-29 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: FL

Complaint narrative:
This complaint is filed in regard to XXXX XXXXXXXX account data being reported solely by TransUnion in a manner that violates multiple sections of the Fair Credit Reporting Act ( FCRA ). I request the removal of this account from my TransUnion credit report based on the following : Inaccuracies & Legal Violations ( XXXX  XXXX TransUnion Only ) 1. Account Status = Open but Bureau Code = Terminated This is contradictory. If the bureau marked it " Terminated, '' the account shouldn't show as open.

Violations : FCRA 607 ( b ) Requires credit bureaus to maintain accurate data.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report knowingly inaccurate information.

Reason to Delete : A mixed status confuses lenders and misrepresents your active credit lines.

2. Last Reported : XX/XX/year> No Activity Since Then Last payment : XX/XX/year> Last activity : XX/XX/year> Violations : FCRA 607 ( b ) Account marked as " Current '' despite being inactive for over 6 years.

FCRA 605 ( a ) ( 5 ) Accounts with no activity for 7+ years must be removed.

Reason to Delete : Account is dormant and should not still be considered active/current.

3. Monthly Payment = {$0.00} on a {$5000.00} Credit Line This is inaccurate if the account is open and revolving. There should either be : A real minimum payment if its active Or closure reflected if it's inactive Violation : FCRA 607 ( b ) Misrepresentation of the monthly liability affects utilization and scoring.

Reason to Delete : Incorrect payment reporting distorts debt-to-income and credit scoring.

4. Only TransUnion Reporting No Experian or Equifax Data The lack of reporting across other bureaus can distort your credit profile, especially if the furnisher ( XXXX  XXXX ) p

reviously reported to all 3. Violation ( if not updated or reported accurately across bureaus ) : FCRA 623 ( a ) ( 2 ) Duty to update and ensure consistent reporting. Reason to Delete : Selective or outdated reporting creates imbalance in your profile. Violations & Issues : Conflicting Status : The account is labeled as " Open '' while the Bureau Code says " Terminated. '' FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) Obsolete Reporting : The last activity was in XX/XX/year>, yet the account is still labeled as " Current '' with no updates. FCRA 605 ( a ) ( 5 ) Data must not be retained if inactive for 7+ years. Incorrect Monthly Payment : Reporting {$0.00} monthly payment on an active revolving account misrepresents credit liability.

FCRA 607 ( b ) Inconsistent Bureau Reporting : This tradeline is only reported with TransUnion, not Experian or Equifax. If XXXX  XXXX still reports this tradeline selectively or inconsistently, it may violate FCRA 623 ( a ) ( 2 ) Requested Relief : I request that the CFPB : Investigate the accuracy and legality of the XXXX XXXX account reporting on my TransUnion file. 

Require TransUnion to delete this tradeline entirely based on outdated, incomplete, and conflicting reporting.

Ensure that no future misleading updates are made to my file for this account.

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