Consumer complaint received 2025-03-09 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: NJ

Complaint narrative:
I am filing this complaint to report inaccuracies and ongoing inconsistencies in the reporting of an account by XXXXXXXX XXXX XXXX XXXXXXXX across the three major credit bureausExperian, XXXX, and XXXX. 

Description of What Happened Upon reviewing my credit reports from all three bureaus, I noticed that XXXXXXXX XXXX XXXX XXXXXXXX has inconsistently reported an account as follows : Initially, in XX/XX/XXXX, they reported the account to Experian as " Charged Off / Unpaid Balance Reported as a Loss by XXXX XXXX. '' This designation clearly indicates that the debt had been written off by the creditor. 

Following this, I disputed the account multiple times with all three bureaus, as the reporting was inaccurate. I even sent a formal letter to XXXXXXXX XXXX XXXX XXXXXXXX requesting a Form XXXX for the cancellation of debt when the account was first reported as a loss. 

Despite these actions, XXXX XXXXXXXX XXXX XXXXXXXX began updating and changing the accounts type and status inconsistently between XX/XX/XXXX and XX/XX/XXXX. For example : The account was reported as " Open '' during some periods and later updated to " Closed / Collection '', conflicting with their initial designation. 

The account status also shifted between charge-off and collection across different bureaus, with conflicting payment history and " last activity '' dates. 

This pattern of inconsistent reporting violates the Fair Credit Reporting Act ( FCRA ). The information reported is not accurate, complete, or consistent, which has caused ongoing harm to my credit profile. 

Additionally, given that the account was reported as a loss by the creditor in XX/XX/XXXX, I request that this account not be reinstated, re-reported, or added back to my credit report in the future under any circumstances. 

Requested Resolution I respectfully request the following : Deletion of the Account : All information related to this account should be permanently deleted from my credit reports across Experian, XXXX, and XXXX due to the inaccurate and conflicting reporting. 

Full Investigation by the CFPB : I ask that the CFPB investigate XXXX XXXXXXXX XXXX XXXXXXXX reporting practices and compliance with FCRA. 

Pull My Credit Reports ( XXXX XXXXPresent ) : I request that the CFPB investigator obtain all my credit reports from XX/XX/XXXX to the present across all three bureaus to review the reporting inconsistencies and ensure proper resolution. 

XXXXXXXX XXXX XXXX XXXXXXXX ongoing and inconsistent reporting of this account, despite initially marking it as a loss, is both misleading and harmful. I trust the CFPB to address these issues appropriately and enforce compliance with federal regulations. 

Thank you for your time and attention. Please let me know if any additional information or documentation is needed to support this complaint.

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