Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern, Subject : Credit Report Dispute Regarding Inaccurate Reporting of XXXX XXXX XXXXXXXX ( Account # XXXX ) I am writing to formally dispute inaccuracies and inconsistencies on my credit reports concerning the account listed under XXXX XXXX XXXX, account number XXXX, as reported by XXXX, XXXX, and Experian. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information, and you are required to conduct a reasonable investigation and correct or remove any inaccuracies under 15 U.S. Code 1681i. 

After reviewing my credit reports from all three bureaus, I have identified the following discrepancies and violations : Discrepancies Between XXXX, XXXX, and Experian : Field XXXX  XXXX  Experian Violation Account Status Open Indeterminate Closed Inconsistent account status violates 1681e ( b ) ( reasonable procedures for accuracy ). 
Monthly Payment {$320.00} Not reported {$0.00} Incomplete/inconsistent reporting violates 1681e ( b ).

Balance {$6300.00} {$0.00} {$0.00} Significantly conflicting balance information, in violation of 1681i ( a ). 
High Credit {$15000.00} {$15000.00} {$1000.00} Material inaccuracy with Experians report violates 1681e ( b ). 
Account Type Detail Unsecured Loan Installment Installment account Misrepresentation of loan type not uniformly reported. 
Payment Status Current, was past due 120 days Pays account as agreed Paid or paying as agreed Failing to report historical delinquencies equally potential suppression or omission violates 1681i ( a ). 
Date of Last Payment XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Inconsistent last payment dates across bureaus. 
Date Last Active XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Material discrepancy that affects reporting. 
Late Payment History 30/60/90/120 days late listed Not reported Not reported Suppression of delinquencies may constitute incomplete reporting under 1681i ( a ). 
Last Reported Date XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Must be synchronized across bureaus per 1681e ( b ). 

FCRA Violations Identified : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy. 

15 U.S.C. 1681i ( a ) Failure to correct or delete inaccurate, incomplete, or unverifiable information.

15 U.S.C. 1681s-2 ( b ) Furnisher duties to investigate and correct information after receiving notice of a dispute. 

Requested Resolution : I am requesting that all three credit bureaus update the reporting of the XXXX XXXX XXXXXXXX account ( Acct # XXXX ) to reflect accurate and consistent information. Below is the corrected and consistent data I am requesting be reflected across all bureaus : Field Corrected Information Account Status Closed ( or Open depending on actual status, but must be consistent ) Monthly Payment {$320.00} ( if open ), or {$0.00} if closed and paid Balance {$0.00} ( if account is paid/closed ) or {$6300.00} ( if open ) High Credit {$15000.00} Account Type Installment Account Type Detail Unsecured Installment Loan Payment Status Paid or paying as agreed ( or include late payment history consistently ) Date of Last Payment XX/XX/XXXX Date Last Active XX/XX/XXXX Late Payment History Include or exclude across all bureaus consistently Last Reported Date XX/XX/XXXX Please complete the investigation and provide written confirmation of the corrections made. If you are unable to verify the accuracy of this account information within the 30-day investigation period as outlined in the FCRA, it must be removed or corrected accordingly.

Thank you for your prompt attention to this matter.

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