Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
First let me start I've dispute this over 6+ times already over 2 years of disputes with the credit companies already!!! 

XXXX XXXX XXXX XXXX ( XXXX ) is inaccurately and unlawfully reporting a charged-off credit card account on all three of my credit reports. There are multiple, ongoing violations and factual inconsistencies, despite my repeated good-faith attempts to have them corrected. 

1. Illegal re-aging through repeated charge-off reporting : The original charge-off on this account occurred in XX/XX/XXXX. However, XXXX continues to report a new CO ( charge-off ) code every single month since then, including through XX/XX/XXXX ( as shown in the attached screenshot ). 
This is a direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 credit reporting standards : FCRA 607 ( b ) requires furnishers to report only information that is complete and accurate. 

Metro 2 guidelines specify that a charge-off can only be reported in the month it actually occurred, not in subsequent months.

Repeating CO notations monthly is considered illegal re-aging, misrepresenting the age and severity of the negative event and unfairly extending its impact. 

2. Credit limit and balance inconsistencies : Equifax reports the credit limit as {$0.00}, while TransUnion and Experian show {$5000.00}, which was the original card limit.

All three bureaus report a balance of {$5600.00} ( over limit ), but only two display the correct limit. This discrepancy can inflate my utilization rate and further harm my score. 

XXXX. Date inconsistencies : The Date Last Active and Date of Last Payment fields are different on each bureau ( for example, Experian and TransUnion show XX/XX/XXXX, Equifax shows XX/XX/XXXX ). 

These dates should match and reflect accurate account history. Such inconsistencies are violations of FCRAs requirement for accuracy. 

4. Inconsistent and vague account status/comments : Each bureau displays different comments and status fields for the same account. ( Examples : Dispute resolved ; reported by grantor, Unpaid balance reported as a loss, Account previously in dispute now resolved by data furnisher. ) This lack of uniformity further confuses the record and violates the completeness and accuracy requirements of the FCRA.

5. Failure to correct after multiple disputes : I have sent more than six written disputes about these issues to XXXX and all three bureaus, dating back almost two years. Specific letters were sent/delivered on XX/XX/XXXXXX/XX/XXXXand many others. 

XXXX has failed to correct these violations, andXX/XX/XXXXcontinue to report the same errors. 

Summary : XX/XX/XXXXcontinued monthly re-reporting of the charge-off, along with inaccurate limit, balance, date, and status fields, is misleading, unfair, and noncompliant with federal law and industry standards. My repeated attempts to resolve this have failed. 
I am requesting CFPB intervention to require deletion of this tradeline.

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