Consumer complaint received 2025-03-20 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: FL

Complaint narrative:
I am filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and misleading information being reported on my credit file by XXXX XXXX and the credit reporting agencies ( Equifax, TransUnion, and Experian ). Despite my repeated disputes and requests for investigation, the credit bureaus have failed to provide evidence of their investigations or resolve the inaccuracies. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), and I am demanding the immediate deletion of this account from my credit report. 
Details of the Inaccurate Account The account in question is listed as follows : Creditor Name : XXXX XXXX Account Type : Installment ( Unsecured Loan ) Account Status : Derogatory ( Collection/Charge-Off ) Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Experian and Equifax ) Balance Reported XXXX {$1900.00} High Credit : {$1500.00} ( TransUnion and Experian ) XXXX {$1500.00} ( TransUnion and Experian ) XXXX {$1600.00} ( Equifax ) Past Due Amount : {$1900.00} Last Reported : XX/XX/XXXX ( TransUnion and Experian ) XXXX XX/XX/XXXX ( Equifax ) Date Last Active : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Experian )/ XX/XX/XXXX ( Equifax ) Date of Last Payment : XX/XX/XXXX ( TransUnion and Experian ) XXXX XX/XX/XXXX ( Equifax ) Comments : Charged off as bad debt, profit and loss write-off, unpaid balance reported as a loss by the credit grantor. 

Violations and Inaccuracies Inconsistent Reporting : The Date Opened is reported inconsistently across the XXXX credit bureaus ( XX/XX/XXXX, vs. XX/XX/XXXX ). 

The High Credit amount varies between bureaus ( XXXX XXXX XXXX ). 

The Date Last Active and Date of Last Payment are inconsistent, with Equifax reporting dates that conflict with TransUnion and Experian. 

Inaccurate Balance and Charge-Off Status : The account is reported as charged off, but the balance ( {$1900.00} ) exceeds the high credit amount ( {$1900.00} ) exceeds the high credit amount ( {$1500.00} or {$1600.00} ), which is mathematically impossible and misleading. 

The past due amount ( {$1900.00} ) is inaccurately reported as equal to the balance, which is inconsistent with the charge-off status. 

Failure to Update Information : The account is reported as last active on different dates across the bureaus, with Equifax reporting a last active date of XX/XX/XXXX, while TransUnion reports XX/XX/XXXX. This inconsistency suggests a failure to update the account status accurately. 

Misleading Comments : The comments on the account ( " Charged off as bad debt, '' " Profit and loss write-off '' ) are vague and do not provide clear or accurate information about the account 's status. 

Failure of Credit Bureaus to Investigate I have filed multiple disputes with Experian, TransUnion, and Equifax regarding the inaccuracies in this account. However, the credit bureaus have : Failed to Provide Evidence of Investigation : They have not provided any documentation or proof of how their investigations were conducted. 

Failed to Correct Inaccuracies : Despite my disputes, the account remains on my credit report with the same inaccuracies. 

Violated the FCRA : Under the FCRA, credit bureaus are required to conduct a reasonable investigation of disputed items and provide a response within 30 days. Their failure to do so is a clear violation of federal law. 

Violations Identified Fair Credit Reporting Act ( FCRA ) : The FCRA requires credit reporting agencies and creditors to ensure the accuracy and fairness of the information they report. The inconsistencies, inaccuracies, and failure to investigate violate this requirement. 

Failure to Provide Proof of Investigation : The credit bureaus have not provided any evidence of their investigations, which is a violation of my rights under the FCRA.

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