Consumer complaint received 2025-04-08 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: PA

Complaint narrative:
I am filing this formal complaint against XXXX XXXX for multiple FCRA and consumer protection violations based on the account reported across Equifax, TransUnion, and Experian. The tradeline associated with XXXX XXXX reflects inaccurate, inconsistent, and legally questionable reporting practices that have materially harmed my credit profile. 

Violations Identified : 1. Balance Over the Credit Limit ( FCRA 623 Violation ) : The reported balance is {$1800.00} while the credit limit is {$1400.00}. Reporting a balance that exceeds the credit limit ( 125 % utilization ) is both mathematically and contractually inaccurate unless explicitly supported by terms. If over-limit charges were not contractually agreed upon, this constitutes misleading reporting. 

2. Inconsistent Delinquency Reporting Across Bureaus ( FCRA 623 ( a ) ( 1 ) ( A ) ) : Payment history shows discrepancies and conflicting delinquencies across bureaus. Experian reports 90, 120, and 150-day delinquencies, while TransUnion and Equifax do not report 150-day delinquency. Any inconsistent reporting of severity or status of delinquencies can mislead lenders and violate fair reporting standards. 

3. Failure to Update or Mark Accurate Status ( FCRA 623 ( a ) ( 2 ) ) : The account shows lates reported through XX/XX/XXXX, yet the " Last Activity '' date is listed as XX/XX/XXXX. There is no supporting evidence of further activity or communication that justifies ongoing reporting of delinquency or updates beyond that point. 

4. Negative Payment History with No Contractual Validation : The 2-year payment history shows a delinquency progression ( 30, 60, 90, 120, 150 days ) starting shortly after account opening in XX/XX/XXXXXXXX  with no consistent updates or resolution. If no validation of this debt has been provided to me per my dispute rights, continuing to report this without verification is a clear violation of FCRA and FDCPA. 

5. Failure to Provide Full Contractual Terms ( Truth in Lending Act Violation ) : The report does not include " Terms '' for Equifax or TransUnion. For a revolving account with a high balance and 125 % utilization, the consumer has the right to understand the full contractual agreement regarding over-limit fees, interest, payment schedules, and penalties. Their omission indicates a failure to furnish complete consumer information. 

Requested Action : Immediately delete the XXXX XXXX tradeline from Equifax, TransUnion, and Experian. 
Conduct a thorough investigation into the inaccuracies, inconsistencies, and over-limit reporting. 
Provide full documentation and verification of this account, including signed agreements and itemized statements. 
Cease and desist further damage to my credit report with unverified or inflated data.

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