Consumer complaint received 2025-11-14 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: NV

Complaint narrative:
Bureaus Involved : TransUnion & ExperianAccounts Involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Issue : Reinsertion of previously deleted trade-lines, reporting without required certification, multiple FCRA violations , illegal re-aging, inconsistent bureau reporting , unverifiable late payments, missing validation, Metro-2 violations , and internal data conflicts between TransUnions consumer-facing platforms. 
This complaint concerns TransUnion and Experian. 

1. XXXX XXXX Reinsertion + Inaccurate Reporting ( TRANSUNION & EXPERIAN ) Account # : XXXX XXXX XXXX was previously deleted from my TransUnion credit report as inaccurate and unverifiable. TransUnion later reinserted the account without the legally required notice or certification, which violates FCRA 611 ( a ) ( 5 ) ( B ). 
Violations & Inaccuracies : A. Illegal Reinsertion ( FCRA 611 ( a ) ( 5 ) ( B ) ) No 5-day reinsertion notice was sent. 
No certification of accuracy was provided by TransUnion. 
The account had been previously removed ; its return is unlawful. 
B. Inconsistent Bureau Reporting XXXX  : Deleted/ Not reporting Experian : Reporting charge-off, disputed TransUnion : Reporting charge-off, NOT disputed The same account can not be disputed with one bureau and undisputed with another. 
C. Improper Re-Aging Exeter originated in XXXX, but TransUnion repeatedly updates it with new XXXX dates : Last Verified : XX/XX/XXXX Last Activity : XX/XX/XXXX Updating derogatory dates into XXXX makes the account appear newer and extends its reporting life a violation of FCRA + Metro-2. 
D. Balance vs. Status Conflict Account is reported as : Closed Charged off Still showing an active {$19000.00} past-due balance A true charge-off can not remain " open '' with an active past-due balance. 
E. Missing Payment History ( TU ) TransUnion lists NONE REPORTED for payment history. Experian lists two full years of CO entries. 
Severely inconsistent = unverifiable. 
F. Wrong Account Classification TU : Finance, personal / Installment EX : Auto Loan / Auto Financing XXXX is an auto lender ; TU misclassified the entire account. 

2. TRANSUNION PLATFORM CONFLICT XXXX XXXX XXXX  XXXX TransUnion is showing two different versions of the XXXX trade-line : XXXX ( Official TU Core ) : No late payment history No delinquency codes No XX/XX/XXXX reporting No payment grid XXXX XXXX ( TU XXXX ) : Displays late-pay history Shows older delinquency codes Shows payment data that should have been deleted This is a major violation of : FCRA 607 ( b ) Maximum possible accuracyFCRA 611 Failure to correct errorsFCRA 611 ( a ) ( 5 ) ( B ) Failure to purge deleted data after reinsertion TransUnion is maintaining multiple conflicting versions of my file. 

3. XXXX XXXX Inaccurate & Unverifiable Late Payments ( TU + EX ) Account # : XXXX XXXX XXXX XXXX XXXX Three late payments were previously removed as inaccurate this proves unverified data.Two lates remain ( XX/XX/XXXX & XX/XX/XXXX ), but : Violations & Inaccuracies : A. Isolated 30-Day Lates A true 30-day late requires a full billing cycle of non-payment.Both lates appear as single-month anomalies surrounded by OK statuses, which is inconsistent with how delinquencies are reported. 
B. Contradictory Reporting TU : Pays as agreed XXXX : Current, was past due 30 days two times These can not both be true. 
C. Missing Past-Due Amounts Only the scheduled payment ( {$27.00} ) is listed.No past-due amount that triggered delinquency is shown making the lates unverifiable. 
D. Dispute Status Conflict EX : Previously in disputeresolved by subscriber TU : Account not disputed Violation of Metro-2 reporting uniformity. 
E. XXXX Doesnt Report the Account at All Another indicator that data is inconsistent and unverified. 

4. XXXX XXXX Unverified Charge-Off ( EXPERIAN ONLY ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX Account was removed from both TransUnion and XXXXExperian continues reporting it despite : Violations & Inaccuracies : A. Inconsistent Bureau Reporting If 2 bureaus deleted it as unverified, Experian can not legally continue reporting it. 
B. Balance vs. Status Conflict Status : Closed / Charge-off Balance : {$1400.00} A charge-off MUST show {$0.00} or sold/transferred. 
C. Improper Re-Aging Experian continues updating : Last Verified : XX/XX/XXXX Account was closed in XXXX, but EX updates dates into XXXX to make it appear newly delinquent. 
D. Incomplete Payment History Experian shows only CO entries no payment grid, no lead-up to charge-off. 
E. Contradictory Dispute Status Experian : Dispute resolved consumer disagreesBut no certification or documentation has ever been provided. 
F. Experian Reports 30/60/90 Lates Not Found on Any Other Bureau This makes the delinquency data unreliable. 

5. XXXX XXXX ( XXXX XXXX ) Experian Only Account # : XXXXXXXX XXXX XXXX  Experian is the ONLY bureau reporting this collection. 
Violations & Inaccuracies : A. Impossible Date Sequence Date Opened : XX/XX/XXXX Last Activity : XX/XX/XXXX ( 18 days BEFORE it was opened ) This is chronologically impossible = automatic FCRA inaccuracy. 
B. Inconsistent Bureau Reporting TU and XXXX show no account at all.Experian 's version is unverified. 
C. Internal Furnisher Codes Displayed Experian shows codes like : NotsatisfyingF20_TRADENot valid consumer-facing terms violates FCRA 609 & Metro-2 . 
D. No FDCPA Validation Provided No notice within 5 days of placement.No proof that the debt is mine.No contract.No amount validation.Violates FDCPA 809 ( a ) & ( b ). 
E. Incomplete Reporting Missing : Payment history Past-due amount Contract terms Proper rating codes Incomplete = inaccurate. 
F. Wrong Account Type XXXX is NOT a credit grantor.Experian incorrectly furnishes it as a collection 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