Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX ( XXXX ) XXXX XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information appearing on my credit report regarding the following account : Creditor Name : XXXX Account Number : XXXX Upon reviewing my credit report, I noticed several discrepancies and inaccurate reporting between credit bureaus. The information reported on this account is inconsistent, incomplete, and/or incorrect. Below are the specific issues I am disputing : Account Status Discrepancy : TransUnion lists the account as Open, while Experian and Equifax report it as Derogatory/Charged-Off. If this account is charged off, it should not be marked as " Open. '' Monthly Payment Amount : TransUnion reports a {$65.00} monthly payment, while Experian and Equifax report {$0.00}. A charged-off account should not have a monthly payment obligation. 
Date Opened Inconsistency : TransUnion states XX/XX/XXXX, while Experian and Equifax report XX/XX/XXXX. This date should be consistent across all bureaus. 
High Credit Amount : TransUnion and Equifax report {$690.00}, but Experian reports {$0.00}, which is inaccurate. 
Credit Limit Discrepancy : TransUnion and Experian report {$300.00}, while Equifax reports {$0.00}. 
Past Due Balance Inconsistency : TransUnion reports {$330.00}, while Experian and Equifax report {$690.00}. 
Payment Status Discrepancy : TransUnion lists the account as " 120 Days Late '', while Experian and Equifax list it as " Collection/Charge-Off. '' If the account is charged off, the reporting should reflect that. 
Date Last Active Inconsistency : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX These dates should align. 
Date of Last Payment Missing : TransUnion and Experian do not provide a last payment date, while Equifax reports XX/XX/XXXX. 
Inconsistent Two-Year Payment History : Payment statuses vary significantly across the bureaus, including incorrect reporting of " OK '' by Equifax when the account is derogatory. 
Given these inaccuracies, I request that the credit bureaus investigate this account and correct any errors. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate and complete credit report. 

I have attached a copy of my credit report highlighting the inconsistencies, along with any supporting documents. Please conduct an investigation and update my credit report accordingly. If the furnisher of this information can not verify the accuracy, the incorrect information should be removed. 

Please provide a written response confirming the resolution of this dispute. I appreciate your prompt attention to this matter. 

Sincerely, 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