Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian has failed to ensure maximum possible accuracy in my credit report, as required under the Fair Credit Reporting Act ( FCRA ), and has demonstrated significant shortcomings compared to Equifax. This includes missing accounts, outdated information, duplicate entries, and vague remarks. Experian also failed to properly investigate disputes and provide transparency in reporting, violating federal and state laws, including FCRA, FDCPA, CFPB rules, and XXXX XXXX XXXX Chapter XXXX. 

Section 3 : Detailed Description of Issues 1. Missing or Incomplete Reporting Missing Accounts : Experian omitted the account for XXXX XXXX, which is accurately reported by XXXX. This omission results in an incomplete credit profile and violates FCRA XXXX ( b ). 
Duplicate Entries : Experian listed multiple duplicate entries for XXXX XXXX XXXX XXXX XXXX creating confusion and failing to present a clear picture of my credit profile. Equifax consolidated these entries into singular accounts, adhering to Metro 2 standards. 
2. Inconsistent Account Details XXXX XXXX : Experian reports the account as charged off with a balance of {$2600.00} and transferred to recovery. 
XXXX  correctly reports the account as closed with a {$0.00} balance. 
Experians outdated and inaccurate reporting violates FCRA 1681e ( b ). 
XXXX XXXX XXXX : Experian reports the account as charged off with {$4300.00} past due, but fails to provide payment activity or resolution status. 
XXXX  includes updated charge-off details and resolution remarks. 
Experians vague remarks ( " Transferred to recovery '' ) violate FCRA XXXX ( a ) and CFPB transparency guidelines. 
XXXX. Outdated XXXX XXXX : Experian continues XXXX report outdated charge-off information for XXXX XXXX Services without updates on payment activity or settlement details.

Payment History : Experian omits key payment history details for certain accounts, such as last payment dates and terms met, violating Metro 2 standards. 
XXXX Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX a high credit utilization rate ( 83 % ) without providing context or mitigating factors, disproportionately impacting my XXXX XXXX. 
XXXX  provides context for overall credit usage, adhering to CFPB guidelines for fair credit reporting. 
XXXX. Failure to XXXX Disputes Experian failed to conduct reasonable investigations into disputed accounts, as evidenced by vague remarks like " XXXX complete. '' XXXX  provided clear remarks and resolution details for disputed accounts. 
XXXX actions violate FCRA XXXX ( a ) and e-OSCAR dispute resolution standards. 
XXXX. Transparency and Remarks Experians vague remarks ( e.g., " Transferred to recovery '' ) fail to provide actionable information about account statuses or resolutions. 
XXXX  provides detailed remarks, adhering to CFPB transparency guidelines. 
XXXX. XXXX XXXX Experians report contains missing accounts, outdated information, duplicate entries, and vague remarks, violating FCRA 1681e ( b ) and FTC rules for fair credit reporting. 
XXXX  presents a more accurate and comprehensive credit profile. 
XXXX. XXXX XXXX and e-OSCAR Compliance Experian failed to adhere to XXXX XXXX standards by omitting accounts ( e.g., XXXX XXXX ), reporting outdated charge-offs ( e.g., XXXX XXXX XXXX XXXX XXXX and including duplicate entries ( e.g., Dept of XXXX XXXX XXXX XXXX 
Experian failed to notify furnishers of disputes and conduct reasonable investigations, violating e-OSCAR standards. 
Section 4 : Applicable Legal Violations Federal Laws Violated : FCRA Violations : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct reasonable reinvestigation of disputed information. 
FDCPA Violations : 15 U.S.C. 1692e : Reporting false or misleading information facilitates deceptive debt collection practices.

15 U.S.C. 1692f : Allowing inaccurate debts to remain on the report constitutes unfair practices. 
FTC and CFPB Rules Violated : Failure to provide accurate, transparent, and fair credit reporting as required by CFPB guidelines. 
State Laws Violated : XXXX XXXX XXXX Violations : XXXX : Reporting false or misleading information about a consumer debt. 
XXXX : Engaging in deceptive practices by failing to resolve disputes or correct inaccuracies. 
Section XXXX : Requested Actions To resolve these issues, I request the following actions from Experian : Correct Inaccurate Information : Update account statuses ( e.g., XXXX XXXX, XXXX XXXX XXXX ). 
Include missing accounts ( e.g., XXXX XXXX ). 
Consolidate duplicate entries ( e.g., XXXX XXXX XXXX XXXX XXXX 
Conduct a Thorough Investigation : Reinvestigate all disputed accounts and provide supporting documentation for the investigation results. 
Improve Compliance Procedures : Adopt stricter compliance procedures to ensure adherence to Metro 2 and e-OSCAR standards.

Provide Written Confirmation : Supply written confirmation of all corrections made to the report. 
Compensate for Damages : Provide compensation for harm caused by inaccurate reporting, including impacts on credit decisions and emotional distress. 
Prevent Future Issues : Commit to regular audits and stricter compliance with FCRA, FDCPA, and XXXX XXXX Code requirements. 
Section XXXX : Supporting Documentation I am attaching the following documents to support this complaint : Experian Credit Report ( XXXX ) XXXX  XXXX XXXX ( multiple files ) Relevant Legal Precedents and XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) Section 7 : Conclusion Experian has demonstrated significant shortcomings compared to Equifax, including missing accounts, outdated information, duplicate entries, vague remarks, and failure to investigate disputes. These issues violate multiple federal and state laws, regulatory standards, and industry practices. Immediate corrective action and enforcement of penalties are necessary to ensure compliance and accountability. 

This complaint seeks resolution through corrective actions, compensation for damages, and prevention of future violations.

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