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 Conflicting Reporting by XXXX XXXX XXXX FCRA and FDCPA Violations I am submitting this complaint regarding an account reported by XXXX XXXX XXXX, with the original creditor listed as XXXX. This account is being reported with inconsistent, incomplete, and misleading information across all three credit bureaus, which violates my rights under both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Specific violations include : Different " Date Opened '' TransUnion reports XX/XX/XXXX while Experian and Equifax report XX/XX/XXXX. 

Conflicting " Date Last Active '' TransUnion and Equifax report XX/XX/XXXX while Experian shows XX/XX/XXXX. 

Missing or conflicting comments Some comments mention collections or unsatisfied debt, others omit this information entirely. 

No payment history is reported despite the account being derogatory and active, which causes further confusion about its status. 

These discrepancies violate : FCRA 607 ( b ) Maximum possible accuracy FCRA 623 ( a ) ( 2 ) Duty to update and correct information FCRA 611 ( b ) Consistency in reflecting disputes FDCPA 807 ( 2 ) ( A ) False or misleading representation of the status of a debt I request a formal investigation into this account. If XXXX can not ensure fully accurate, verifiable, and consistent reporting across all bureaus, I request that the account be permanently deleted from my credit report. 

Thank you for your time and assistance. 

IDENTIFIED INACCURACIES & VIOLATIONS XXXX. Conflicting Date Opened TransUnion : XX/XX/XXXX Experian & Equifax : XX/XX/XXXX This inconsistency in the account opening date is a violation of FCRA 607 ( b ) furnishers must report with maximum accuracy. 

XXXX. Conflicting Date Last Active TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX These are clearly not aligned and impact aging of the debt and how long it can remain on file. 

FCRA 623 ( a ) ( 2 ) Obligation to correct/update inaccurate info.

3. Misleading Payment History Reporting Theres no payment history at all across all three bureaus.

If the account has been in collections since 2022, a complete absence of activity while also reporting as active in 2025 is contradictory.

FCRA 607 ( b ) Incomplete reporting.

FDCPA 807 ( 10 ) False representation of account status.

4. Conflicting or Misleading Comments TransUnion : Placed for collection Equifax : Subject has not satisfied debt.

Experian : No comment Comments should uniformly reflect the dispute or collection status and be consistent across all bureaus.

FCRA 611 ( b ) Disputes must reflect consistently across CRAs.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of account status can mislead potential creditors.

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