Consumer complaint received 2025-02-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : **Immediate Deletion Demand for Inaccurate Information on Credit Report** To Whom It May Concern, I am writing to formally dispute the inaccurate information related to the account referenced below. This account has been previously disputed, yet you have failed to correct the inaccuracies. I now demand the **immediate deletion** of this account from my credit report due to numerous glaring discrepancies that violate the Fair Credit Reporting Act ( FCRA ) and infringe upon my consumer rights. 

**Account Information : ** - Creditor : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX - Reporting Agencies : TransUnion , Experian, Equifax **Inconsistencies Noted : ** XXXX. **Account Status Discrepancy** : The account is reported as " Charged Off '' on different dates across agencies. TransUnion and Experian indicate a charge-off date of XX/XX/XXXX, while Equifax shows a different date. This blatant discrepancy violates 607 ( b ) of the FCRA, which mandates maximum accuracy in reporting.

2. **Balance Inconsistency** : The reported balance varies significantly across agencies. TransUnion states the balance as {$19000.00}, while Experian lists it as {$10000.00}. This misrepresentation of my financial obligations is unacceptable and violates 623 ( a ) ( 1 ) ( A ) of the FCRA.

3. **Monthly Payment Reporting** : The monthly payment amounts are reported inconsistently. The payment frequency is confusingly marked as " Monthly '' in some reports and not in others, creating ambiguity regarding my payment responsibilities.

4. **Payment History Confusion** : The two-year payment history shows conflicting entries, with inconsistent statuses ( e.g., " 120 '' and " CO '' ). This misrepresentation of my payment behavior directly undermines my creditworthiness and is a clear violation of the FCRA 's accuracy requirements.

5. **Date of Last Payment** : The date of last payment is reported inconsistently, with TransUnion showing it as XX/XX/XXXX, while Experian and Equifax report different dates. This inconsistency further undermines the accuracy of my credit profile.

The continued failure to correct these inaccuracies after my previous dispute is unacceptable and has significantly harmed my credit report, leading to potential denials of credit and increased interest rates. Given the severity of these discrepancies, I demand the **immediate removal** of this account from my credit report. If you can not provide accurate verification, you are legally obligated to delete it as stipulated by the FCRA.

I expect a prompt and thorough investigation and resolution to this matter. Failure to comply with my request will lead to further action on my part, including contacting regulatory authorities.

Thank you for your immediate attention to this serious issue.

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