Consumer complaint received 2025-10-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Information Solutions , Inc . 
P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Credit Reporting Violations of the Privacy Act of XXXX, the Truth in Lending Act, and the Fair Credit Reporting Act Re : Discover Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Auto Finance Account # XXXX Dear Experian XXXX Department, This is a formal dispute concerning the above-referenced accounts, which reflect inaccurate, misleading, and unverifiable information on my Experian credit report. These reporting practices constitute violations of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Privacy Act of XXXX, and the Truth in Lending Act ( XXXX ). 
I. Violations of Compliance Procedures and XXXX XXXX XXXX. Altered XXXX Standards : Experian has repeatedly changed its definition of verified without providing the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

2. Privacy Act Breach : Continuing to circulate inaccurate and disputed financial data without proper basis violates my rights under the Privacy Act of XXXX. 
XXXX. TILA Non-Compliance : Creditors have furnished conflicting balances, past due amounts, and charge-off statuses. This constitutes failure to meet TILAs accurate disclosure requirements and contributes to misleading credit reporting. 
XXXX. Civil Liability : Under 15 U.S.C. 1681n, Experian and the furnishers ( XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX ) are liable for damages for willful non-compliance with reporting standards. 
XXXX. XXXX Accounts in Dispute XXXX ( Account # XXXX ) Reported balance ( {$10000.00} ) exceeds the credit limit ( {$8000.00} ). 
Conflicting charge-off and delinquency statuses. 
Payment history continues to reflect charge-off entries beyond permissible reporting timeframes. 
XXXX XXXX XXXX ( Account # XXXX ) Conflicting reporting between closed, charge-off, and delinquent status. 
Duplicate and redundant negative reporting. 
Past-due amounts and balances inconsistent with account records. 
Capital XXXX Auto Finance ( Account # XXXX ) Reported as charged off with a past-due balance of {$38000.00}, despite showing as 43 % paid off. 
Contradiction between closed status and ongoing charge-off reporting. 
Inaccurate reflection of terms ( XXXX loan not accurately represented in reporting ). 
Account already previously in dispute, yet Experian has failed to correct or provide sufficient proof of accuracy. 
XXXX. Demand for Correction and Compliance Pursuant to FCRA, XXXX, and the Privacy Act, I demand the following : 1. Immediate deletion of the above accounts.

2. Full disclosure of the method of verification used to validate these accounts, including original creditor documentation. 
XXXX. Notification to all third parties who accessed my credit report in the past XXXX months that erroneous data was reported. 
XXXX. Cessation of repeated non-compliant verification practices. 
IV. Notice of Intent Failure to comply within 30 days of receipt will result in legal action seeking : Statutory and actual damages under 15 U.S.C. 1681n ( FCRA willful non-compliance ). 
Relief under the Privacy Act of XXXX. 
Claims under the Truth in Lending Act for inaccurate lender-furnished disclosures. 

To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Experian Information Solutions XXXX XXXX P.O. XXXX XXXX, XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Credit Reporting Violations of FCRA, Privacy Act of XXXX, and Truth in Lending Act Re : Disputed Accounts XXXX XXXX XXXX Acct # XXXX * * / # XXXX * * / # XXXX * * * * XXXX Acct # XXXX * * * * * * XXXX XXXX XXXX XXXX Acct # XXXX * * Dear Compliance Department, I am formally disputing the above accounts as they are being reported inconsistently, inaccurately, and unlawfully across TransUnion, Experian, and Equifax. These discrepancies constitute violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Privacy Act of XXXX, and the Truth in Lending Act. 

I. Violations and Inconsistencies Across Bureaus XXXX. XXXX XXXX XXXX Balance Reporting Conflicts : TransUnion and Equifax report balances of {$9300.00}, while Experian reports {$0.00}. 


XXXX XXXX XXXX : Experian shows {$8000.00}, Equifax shows {$0.00}, creating a false derogatory balance ratio. 


XXXX XXXX XXXX : TransUnion = 120 days late, Experian = 150 days late, Equifax = 120 days late. 


XXXX XXXX XXXX : TransUnion = {$960.00}, Equifax = {$960.00}, Experian = {$0.00}. 


This demonstrates material inaccuracy and unverifiable reporting. 

XXXX. XXXX XXXX XXXX Conflicts : TransUnion XXXX Equifax = {$10000.00}, Experian = {$0.00}. 


XXXX XXXX : TransUnion XXXX Equifax = Derogatory/Charge-off ; Experian = XXXX. 


XXXX XXXX XXXX : TransUnion = {XXXX}, Equifax = {XXXX}. 


XXXX XXXX XXXX : TransUnion XXXX Equifax = {XXXX}, Experian = {XXXX}. 


The same account can not simultaneously be open with no balance ( Experian ) and charged off with delinquency ( TransUnion/Equifax ) XXXX 

XXXX. XXXX XXXXXXXX XXXX XXXX Balance Reporting Conflicts : TransUnion XXXX Equifax = {$38000.00}, Experian = {$0.00}. 


High Credit Conflicts : TransUnion/Experian = {XXXX}, Equifax = {XXXX}. 


XXXX XXXX Conflicts : TransUnion XXXX Equifax = XXXX, Experian = {XXXX}. 


Status Conflict : All show charged off, but Experian simultaneously reports account as terminated and with balance of {$0.00}. 


These conflicts are irreconcilable under FCRA standards. 

II. Statutory Violations FCRA Violations 15 U.S.C. 1681i : Credit bureaus must ensure maximum possible accuracy. Reporting contradictory balances, statuses, and limits directly violates this requirement. 


Privacy Act of XXXX : Sharing false, unverifiable financial data across multiple third parties constitutes unlawful disclosure of personal financial information. 


Truth in Lending Act ( XXXX ) : Creditors must furnish accurate disclosures to consumers and reporting agencies. The conflicting balances and credit limits create misleading financial data in violation of XXXX. 


XXXX. Demand for Immediate Correction I demand that TransUnion, Experian, and Equifax : Delete or correct the above-referenced accounts immediately. 


Provide a detailed method of verification for each item, including original documentation from the furnishers. 


Cease reporting contradictory or unverifiable data. 


Notify all third parties who accessed my credit file within the last XXXX months of these inaccuracies. 


IV. Notice of Civil Liability Failure to comply within 30 days will leave me no choice but to pursue legal remedies including : Statutory and actual damages under XXXX XXXX. XXXX ( FCRA willful non-compliance ). 

To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Experian Information Solutions XXXX XXXX P.O. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXXXXXX Auto Finance Attn : Credit ReportingXXXX Department XXXX XXXX XXXX Dispute of Fraudulent Reporting Account No. XXXX To Whom It May Concern, I am formally disputing the above-referenced account that XXXX XXXX XXXX XXXX XXXX XXXX to the credit bureaus. 
Key Facts : My original purchase contract, signed on XX/XX/XXXX, identifies [ XXXX XXXX XXXX XXXX ] as the creditor. XXXX XXXX XXXX XXXX is not named anywhere in the original agreement. 

I have confirmed in writing with [ XXXX XXXX Name ] that they have never sold, transferred, or assigned my account to XXXX XXXX XXXX XXXX. 

XXXX XXXX has sent me a contract which I never signed, yet claims that I have an agreement with them. This is not my original contract and appears to be a substitute or fabricated document. 

Violations Identified : Fair Credit Reporting Act ( FCRA ) XXXX : Furnishing information without a valid basis or contract constitutes inaccurate and unlawful reporting. 

Truth in Lending Act ( XXXX ) : Only the actual creditor or legal assignee XXXX enforce or report a debt. XXXX XXXX has no such standing without proof of assignment. 

Privacy Act of XXXX : Willful noncompliance in misrepresenting my private financial data exposes XXXX XXXX to civil liability. 

Demand for Validation : Pursuant to my rights under federal law, I hereby demand that XXXX XXXX provide the following : A copy of my original signed retail installment contract bearing my wet-ink signature and identifying XXXX XXXX XXXX XXXX XXXX XXXX creditor ; OR A true and complete assignment agreement showing that Capital XXXX lawfully acquired this account from my original creditor ( XXXX XXXX XXXX XXXX XXXX XXXX 

If you can not provide either of the above, you must : Cease all reporting of this account to Equifax, Experian, and TransUnion ; and Delete the tradeline immediately. 

Failure to comply will constitute willful noncompliance under the FCRA, XXXX, and Privacy Act, and I will pursue all legal remedies including civil damages. 
Please consider this a formal notice of dispute under the Fair Credit Reporting Act. I expect your response within 30 days of receipt of this letter. 
Sincerely, XXXX XXXX

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