Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
RE : Disputing Inaccurate and Outdated Information on Credit Report Account Name : XXXX XXXX XXXX Number : XXXX I am writing to formally dispute the accuracy and retention period of the information listed on my credit report from Experian regarding the account with XXXX XXXX XXXX. The report, dated XX/XX/XXXX, contains critical inaccuracies concerning the account status, payment history, and retention period that violate the Fair Credit Reporting Act ( FCRA ) and must be corrected or deleted. 
Discrepancy XXXX : Inaccurate Retention Period and Account Deletion RequestT he account information indicates the account is scheduled to continue On Record Until XXXX XXXX account was charged off ( CO ) in XXXX XXXX negative payment history began in XX/XX/XXXX. The negative reporting period of XXXX years should start from the date of the first delinquency that led to the charge-off. Furthermore, my records indicate the account was actually opened on XX/XX/XXXX, which is before the XX/XX/XXXX date listed on your report.Given that the account is listed as a XXXX XXXX and the first major delinquency was in late XXXX, the statutory seven-year reporting period should have expired or be nearing expiration much sooner than XX/XX/XXXX. I request that you verify the true date of first delinquency for this account and, as this item is well past the legally allowable reporting period, I demand the immediate deletion of this entire account from my credit report. 
Discrepancy XXXX : Inconsistent Status and Payment History Dates The following dates are inconsistent and need correction : Field Currently Reported ( Inaccurate ) Required Correction ( Evidence of Inaccuracy ) Status Updated XX/XX/XXXX. The payment history clearly shows " XXXX XXXX '' ( CO ) marks in months after XX/XX/XXXX, including XXXX, XXXX, XXXX, XXXX, and XXXX. The Status Updated date should reflect the latest activity, which appears to be XX/XX/XXXX, as the balance is past due as of " XX/XX/XXXX '' and the balance was updated on " XX/XX/XXXX ''. Payment History ( XXXX ) Inconsistent reporting of CO ( Charge Off ) and ND ( No Data for this period ) The history shows CO for XXXX XXXX, then switches to ND from XX/XX/XXXX through XX/XX/XXXX, and then switches back to CO from XXXX XXXX through XX/XX/XXXX. This intermittent and fluctuating status reporting of a charged-off account is confusing, inconsistent, and inaccurately reflects the account 's history.The current information is labeled as POTENTIALLY NEGATIVE and is severely impacting my credit standing. I request that you investigate this matter immediately, correct or delete the inconsistent and inaccurate reporting, and send me the results of your investigation, along with a free updated copy of my credit report.

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