Consumer complaint received 2025-05-19 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: LA

Complaint narrative:
Inaccurate and Misleading Reporting by XXXX XXXX XXXX FCRA and FDCPA Violations I am submitting this complaint against XXXX XXXX XXXX for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

The debt is inaccurately reported across the credit bureaus, with the following issues : Incorrect account type Listed as " Open Account '' when it's a third-party collection account, misleading the nature of the debt. 

Same balance and past due {$6900.00} is shown as both current balance and past due, which is deceptive for a charged-off debt. 

Conflicting dates Each bureau shows different " last active '' and " last payment '' dates, affecting how long the account reports and score models. 

Payment status conflict One bureau says " Late 120 Days '' while the others mark it " Collection/Chargeoff. '' Inconsistent dispute language Not all credit bureaus are showing my dispute, which violates FCRA 611.

These violations violate FCRA 607 ( b ), 623 ( a ) ( 1 ), 623 ( a ) ( 2 ) and FDCPA 807. 

I respectfully request a full investigation. If the information can not be corrected and verified with full accuracy, I request the account be permanently removed from my credit reports. 

Thank you. 

INACCURACIES & VIOLATIONS 1. Account Type Mislabeling ( FCRA 607 ( b ), FDCPA 807 ) The account is reported as an " Open Account '', but it is a collection/charged-off debt, not a revolving open line of credit. 

Mislabeling affects credit scoring and is misleading, which violates both : FCRA 607 ( b ) Must maintain maximum accuracy.

FDCPA 807 ( 2 ) ( A ) False representation of the character or legal status of the debt.

2. Balance & Past Due Are Equal Charge-Off Conflict ( FCRA 623 ( a ) ( 1 ) ) Reporting a full balance of {$6900.00} as both the balance and past due on a charged-off debt is misleading. 

Once charged off, the balance is no longer technically past due in the traditional sense of ongoing payments. 

FCRA 623 ( a ) ( 1 ) ( A ) prohibits furnishing information known to be inaccurate or misleading.

3. Different Last Activity & Payment Dates ( FCRA 623 ( a ) ( 2 ) ) TransUnion : Date Last Active XX/XX/XXXX Equifax : Date Last Active XX/XX/XXXX | Last Payment XX/XX/XXXX This inconsistency creates an inaccurate charge-off aging timeline and affects how long it remains on the report. 

XXXX. Inconsistent Payment Status TransUnion/Experian : Collection/Chargeoff Equifax : Late 120 Days This is an inaccurate representation if charged off, it should not still show late payments.

Violates FCRA 607 ( b ) and can confuse creditors. 

5. Mixed Comments Confuse Status TransUnion : Notes dispute and charge-off assignment Equifax : `` Consumer disputes... Collection account '' Experian : Missing any dispute comment Dispute comments should be uniform across all three bureaus under FCRA 611 ( b ) investigation results and dispute markers must be consistent.

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