Consumer complaint received 2025-04-19 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: NJ

Complaint narrative:
Consumer : XXXX XXXX Account in Dispute : XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX Report Date : XX/XX/year> Reporting Agencies : TransUnion, Equifax, Experian Formal Dispute & Request for Immediate Deletion To Whom It May Concern, I am submitting this formal dispute concerning the XXXX XXXX XXXX XXXX account ( XXXX XXXXXXXX ) reported across all three credit bureaus. After reviewing my credit file, I have found this account to contain multiple inconsistencies, reporting errors, and incomplete data, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

Under FCRA 611, I am exercising my right to dispute any account that is being reported inaccurately, incompletely, or without tangible verification. Based on the evidence outlined below, I am requesting immediate deletion of this account from TransUnion, Equifax, and Experian. 

Key Reporting Discrepancies 1. Conflicting Last Activity Dates TransUnion : XX/XX/year> Equifax : XX/XX/year> Experian : XX/XX/year> These are three different dates for the same account a clear violation of FCRA 623 ( a ) ( 5 ) which mandates accurate and consistent reporting. 

2. Payment History is Inconsistent Across All Bureaus TransUnion : No payment history shown Equifax : 79 % on-time Experian : 70 % on-time Conflicting profiles for one tradeline violates FCRA 607 ( b ) and FCRA 623 ( a ) ( 1 ), which require data furnishers to ensure consistency and completeness. 

XXXX. Late Payments Do Not Match TransUnion : XXXX Equifax : XXXX Experian : XXXX This is materially misleading and can not be reconciled as accurate under FCRA XXXX and XXXX ( a XXXX. 

XXXX. " Term Source '' Field Is Blank on All Reports Without term source, the account type can not be validated. This results in incomplete data that violates fair reporting standards. 

5. Months Reviewed Is Either 0 or Missing TransUnion & Equifax : 0 Experian : XXXX A tradeline can not reflect XXXX months on one report and 0 on others this is factually inaccurate and must be addressed. 

6. Monthly Payment Reported as {$0.00} All three bureaus reflect a {$0.00} monthly payment for a revolving account that was charged off. This is incorrect and deceptive.

7. Missing Amount Past Due No amount past due is listed on any report, despite this being a charged-off account. Either the amount is {$0.00} which negates a charge-off or the bureaus have failed to report required information.

8. Inconsistent or Contradictory Remarks TransUnion : Account closed by credit grantor Equifax : Charged off account Experian : Unpaid balance reported as loss These remarks are materially inconsistent and deceptive under the Consumer Financial Protection Act ( CFPA ).

What I Am Requesting : In accordance with FCRA 611, 609 ( a ) ( 1 ), and 611 ( a ) ( 7 ), I am requesting : 1.A full Method of Verification ( MOV ) for this account 2.A copy of the original signed application or agreement 3.Documentation showin
g the accurate Date of First Delinquency ( DOFD ) 4.The complete payment history with all dates and amounts 5.The name, title, and department of the person ( s ) at XXXX XXXX who verified this account 6.Evidence of the legal basis for continued reporting with known inconsistencies Please provide a written response with findings and supporting documentation. 

If Verification Can not Be Provided If this account can not be fully verified with supporting documentation, then under FCRA 611 ( a ) ( 5 ), it must be permanently deleted from TransUnion, Equifax, and Experian. Continued reporting of unverifiable or misleading data constitutes a willful violation of the FCRA and CFPA.

I reserve the right to : 1. File a formal complaint with the Federal Trade Commission ( FTC ) 2. Notify my State Attorney Generals office 3. Pursue legal remedies under FCRA XXXX for damages resulting from negligent or willful noncompliance Fair Resolution I am requesting full deletion of this account due to its unverifiable, inaccurate, and incomplete reporting. If XXXX XXXX can not verify all details with documentation, the account must be removed. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation