Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is being filed due to multiple and ongoing violations of the Fair Credit Reporting Act by XXXX XXXX XXXX, Experian, Equifax, and Transunion. Despite multiple disputes, this will be the third time an investigation has been initiated, yet the reporting on this account remains factually inconsistent, inaccurate, and misleading. The FCRA requires furnishers and credit reporting agencies to maintain accurate and complete information. At this point, the continued inconsistent reporting demonstrates a failure of both the furnishers duty to report accurately and the CRAs duty to conduct a reasonable reinvestigation. 

The payment history reporting is materially inconsistent across the three major credit reporting agencies. XXXX reports delinquency beginning 30 days late in XX/XX/XXXX, progressing through XX/XX/XXXX with no data for XXXX. TransUnion reports delinquency beginning in XX/XX/XXXX and shows a different progression, including XXXX months of repeated XXXX delinquency before charge-off in XX/XX/XXXX. Equifax also reports a different progression beginning in XX/XX/XXXX but shows XXXX and XXXX late marks in months that dont align with TransUnion or XXXX XXXX These conflicting timelines mean the bureaus are reporting fundamentally different histories of the same account, which is impermissible under the accuracy standards set by the FCRA. 

There are also clear discrepancies in the date of last payment. XXXX and TransUnion report XX/XX/XXXX, while Equifax reports XX/XX/XXXX. The account closure date is reported as XX/XX/XXXX, by TransUnion, XX/XX/XXXX, by Equifax, and not at all by XXXX. These differences directly impact how the account is treated in underwriting models, credit scoring, and potential statute-of-limitations calculations. Accurate and uniform reporting is not optional it is a legal requirement. 

Additionally, the balance and past-due amounts are inconsistent and misleading. All three bureaus report a balance of {$9400.00}, but Discovers most recent correspondence shows a balance of {$9400.00}. Experian does not report any past-due amount. TransUnion reports {$9400.00} past due, while Equifax reports {$7900.00}. A furnisher can not legally report different figures to different credit bureaus for the same account and claim to be in compliance with FCRA 623 ( a ) ( 1 ) ( A ). 

Equifax has also reported an unexplained increase in the high credit limit from {$9400.00} before XX/XX/XXXX to {$9400.00} afterward. This change was made years after the charge-off, without activity, and appears to be a retroactive alteration of the account history. This, again, is materially misleading. 

The FCRA is clear : Under 623 ( a ) ( 1 ) ( A ), furnishers XXXX not report information they know or have reasonable cause to believe is inaccurate. 
Under 623 ( a ) ( 2 ), they must promptly correct and update information to ensure accuracy. 
Under XXXX ( a ) ( XXXX ) ( A ), credit reporting agencies must delete or modify information found to be inaccurate or unverifiable after reinvestigation. 
Under XXXX ( b ), they must follow reasonable procedures to assure maximum possible accuracy. 
Under XXXX C.F.R. XXXX, furnishers must maintain reasonable written procedures to ensure the accuracy and integrity of the information they furnish. 

This account has now been disputed and verified multiple times, yet these material discrepancies persist. This is compelling evidence of a failure to conduct a reasonable investigation and failure to maintain accurate and complete records. This ongoing reporting is not just inaccurate it is deceptive and harmful to my credit profile.

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