Consumer complaint received 2025-09-10 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 formally disputing multiple inaccuracies on my Experian credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. The following accounts contain errors in reporting that must be corrected or deleted immediately : XXXX. XXXX XXXX Account Number : XXXX * * * * Reported Open Date : XX/XX/XXXX Balance : {$120.00} Disputed Issues : Credit Limit Inconsistency : Experian reports {$300.00}, but XXXX shows {$0.00}. This inconsistency makes XXXX report unreliable. 
Payment History Errors : Experian displays late payments ( XXXX ) while XXXX reports consistent XXXX for the same periods. 
Date Discrepancies : XXXX  reports an open date of XX/XX/XXXX. 
XXXX Requested : Remove the unverifiable late payments and correct all inconsistencies in open date and credit limit. 
XXXX. XXXX Account Number : XXXX * * * * Reported Open Date : XX/XX/XXXX Balance : {$0.00} Disputed Issues : Open Date Discrepancy : Experian lists XX/XX/XXXX while XXXX  reports XX/XX/XXXX. 
Date Last Active : Experian reports XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
Payment History Errors : Experian shows late payments ( XXXX ), but XXXX  and XXXX show OK. 
XXXX Requested : Correct the open date, update the activity date, and remove any unverifiable late payment reporting. 
XXXX XXXX XXXX BANK Account Number : XXXX * * * * Reported Open Date : XX/XX/XXXX Balance : {$1900.00} Disputed Issues : High Credit Reporting Error : Experian reports {$2300.00}, while XXXX shows {$0.00}. One of these must be inaccurate. 
Payment History Conflicts : Experian shows multiple late payments ( XXXX, XXXX, XXXX ), but XXXX shows different reporting and XXXX  is inconsistent. 
Date Last Active : Experian lists XX/XX/XXXX, which does not match other bureaus. 
XXXX Requested : Correct the high credit field, remove unverifiable late notations, and update dates to reflect accurate reporting. 
XXXX XXXX XXXX BANK Account Number : XXXX * * * * Reported Open Date : XX/XX/XXXX Balance : {$620.00} Disputed Issues : Open Date Discrepancy : Experian shows XX/XX/XXXX while XXXX XXXX XX/XX/XXXX. 
Date Last Active : Experian reports XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 
Payment History : Experian lists late payment ( XXXX ), whereas XXXX shows OK. 
XXXX Requested : Correct open date, update last active date, and remove unverifiable late reporting. 
XXXX. XXXX XXXX Account Number : XXXX * * * * Reported Open Date : XX/XX/XXXX Balance : {$84000.00} Disputed Issues : Payment Status Conflict : Experian reports Late 180 Days, while XXXX  shows Late XXXX Days and XXXX  shows XXXX. These discrepancies prove unreliable reporting. 
Payment History : Experian reflects late notations not supported across other bureaus. 
Date Last Active : Experian lists XX/XX/XXXX, while XXXX shows XX/XX/XXXX. 

XXXX Requested : Remove unverifiable late payment reporting and correct inconsistencies in payment status and activity dates. 
Conclusion : Experian is required by FCRA 1681e ( b ) to maintain maximum possible accuracy. The above accounts contain reporting errors, conflicts with other credit bureaus, and unverifiable derogatory information. If Experian can not provide verifiable documentation from the original creditors, these items must be corrected or deleted immediately.

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