Consumer complaint received 2025-06-29 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX Phone : ( XXXX ) XXXX Email : XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Date : XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Inaccurate and Inconsistent Credit Reporting XXXX XXXX XXXX I am writing to dispute inaccurate, inconsistent, and unverifiable information being reported on my credit file across all three major credit bureaus regarding the following account. This letter is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which guarantees my right to dispute any credit reporting errors and to receive a detailed Method of Verification ( MOV ) if the item is verified as accurate. 

Account in Dispute : Creditor Name : XXXX XXXX XXXX Account Number ( Partial ) : XXXX Reported Inconsistencies Across Bureaus : The inconsistencies between TransUnion, Equifax, and Experian on this single account are substantial and can not legally coexist under a system guided by maximum possible accuracy as mandated under FCRA 607 ( b ). A summary of the contradictions is as follows : 1. Date of Last Activity : TransUnion : XXXX XXXX XXXX  Experian : XXXX XXXX XXXX Equifax : XXXX XXXX XXXX 2. Remarks/ Account Status : TransUnion : No remarks Equifax : Charged-off account Experian : Unpaid balance reported as a loss by XXXXredit grantor XXXX. Late Payments ( XX/XX/XXXX Days Late ) : TransUnion : XXXX Equifax : XX/XX/XXXX ( which is mathematically and factually impossible ) Experian : XXXX XXXX. Months Reviewed : TransUnion : XXXX Equifax : XXXX Experian : XXXX XXXX. Term Count : TransUnion : XXXX Experian : XXXX Equifax : XXXX XXXX. High Balance : TransUnion : {$27000.00} Experian : {$27000.00} Equifax : {$29000.00} XXXX. Payment History : TransUnion : No history available Equifax : XXXX XXXX on-time payments Experian : XXXX XXXX on-time payments This level of conflicting and inaccurate reporting across the bureaus clearly shows that this account is not being reported in compliance with FCRA standards, particularly 607 ( b ), which mandates consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy. These contradictions can not simultaneously be true and make it impossible to evaluate the accuracy of this tradeline. 

Formal Demands Under the FCRA : I am formally requesting a reinvestigation of this XXXX XXXX XXXX account. 

If the information is verified, I demand a detailed Method of Verification ( MOV ) under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

If the account can not be verified with complete accuracy, I demand the account be immediately deleted in full from all credit reports. 

CFPB Disputes Must Be Treated Equally Under the Law : Although this dispute is being submitted via CFPB.gov, it is protected by the same FCRA regulations as a dispute submitted via certified mail. The FCRA does not distinguish between methods of submission, and all credit reporting agencies and furnishers must treat this dispute with the same level of diligence, legal responsibility, and urgency. Ignoring, delaying, or downplaying this dispute would constitute a violation of federal law and may lead to further action or complaints.

Supporting Documentation Provided : Government-issued ID ( Proof of Identity ) Proof of Address ( W-2 or utility bill ) Highlighted copies of credit reports showing discrepancies I expect a complete resolution within the XXXX window required by federal law. If your investigation finds that the data can not be XXXX XXXX verified and aligned across all bureaus, the account must be deleted to comply with the law. 

Failure to respond appropriately may result in a formal complaint being filed with the CFPB, and I reserve the right to pursue all legal remedies available under the FCRA, including statutory damages for willful noncompliance. 

Enclosed is State identification for proof of identity Bank Statement for proof of address Highlighted Inconsistencies being reported to all 3 credit bureaus Sincerely, XXXX XXXX XXXX ( 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