Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
CFPB, I, XXXX XXXX, on XX/XX/XXXX, am submitting this formal complaint regarding an inaccurately reported XXXX Bank account that has remained on my Equifax and Experian credit reports, despite being closed since XXXX and disputed multiple times. The continued and inconsistent reporting of this account constitutes a violation of federal and state consumer protection laws. 

Summary of Issues Regarding XXXX Bank Account ( Closed Since XXXX ) The XXXX account has been closed since XXXX, yet both Equifax and Experian continue to report active payment history and monthly updates in the year of XXXX, which is misleading and inaccurate. 
Also, this account is being reported as a paid charge off which is inaccurate and will be reported to the IRS for any inaccurate tax reporting. Also, XXXX has yet to send me any tax documentation pertaining to this account. 
There is a 24-month payment history being reported by Equifax on this closed account, which violates the principle of maximum possible accuracy under the law. 

Experian 's Payment History Guide shows the following negative history : 30 days past due XXXX XXXX  60 days past due XXXX XXXX  90 days past due XXXX XXXX 120 days past due XXXX & XXXX XXXX 150 days past due XX/XX/XXXX Charge-Off XX/XX/XXXX Equifax is reporting 150-day delinquencies for XXXX, XXXX, and XX/XX/XXXX, which in inaccurate reporting and contradicts Experians record and inflates the derogatory impact of this tradeline. 
These inconsistencies show that Equifax and Experian are not reporting the same factual data, despite the same account and time frame. 
Both credit bureaus are continuing to update this account, even though it has been closed for over seven years, with no permissible purpose to maintain active updates.

Legal Violations The continued and inconsistent reporting violates the following consumer protection laws : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy in credit reporting.

FCRA 1681i ( a ) : Failure to reasonably investigate and correct disputed information.

FCRA 1681s-2 ( b ) : Furnishing of information known to be inaccurate.

California Civil Code 1785.14 ( b ) : Failure to remove inaccurate or unverifiable data within 30 days of dispute.

California Civil Code 1785.16 : Prohibits reporting information known to be false or disputed.

Request for Action I respectfully included copies of my Equifax and Experians XXXX account history. I request that the XXXX XXXX account be permanently removed from both my Equifax and Experian credit reports due to : Conflicting and inaccurate payment history data Continued updates on a long-closed account Misleading delinquency notations Documented dispute history with no resolution This account is being maintained in a way that misrepresents my creditworthiness and violates my rights under both federal and California law XXXX

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