Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
XXXX XXXX XXXX Old XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX : XX/XX/XXXX SSN ( last four ) : XXXX Email : XXXX Phone : XXXX XXXX To Whom It May Concern, I am formally disputing the inaccurate and inconsistent reporting of an account related to XXXX XXXX XXXX XXXX XXXX, currently listed under XXXX Collect, with account number # XXXX. This account is being reported with significant discrepancies across TransUnion, Equifax, and Experian, making it unverifiable under the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate investigation and deletion of this account from my credit file. 

ACCOUNT DETAILS AND INCONSISTENCIES : Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Current Debt Collector : XXXX Collect Creditor Name TransUnion : XXXX COLLECT Equifax : XXXX  Experian : XXXX collect Inconsistent and incomplete naming raises questions about the accuracy and identity of the account. 

Date of Last Activity TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX Significant date inconsistencies call into question the timeliness and reliability of the data. 

Original Creditor Reporting TransUnion/Experian : XXXX XXXX XXXX XXXX XXXX Equifax : @ actualpaymentamount Equifaxs listing is clearly erroneous and fails to identify the original creditor, violating FCRA 15 U.S.C. 1681e ( b ) the duty to report with maximum possible accuracy.

Monthly Payment All three bureaus report {$0.00} This data lacks context and consistency, especially if the account is in active collections. 

Term/Source Type Blank across all bureaus Missing key account details, rendering the account unverifiable under FCRA. 

Account Status TransUnion & Equifax : Open Experian : Charge-off Contradictory statuses undermine credibility and accuracy.

Most Recent Adverse Rating TransUnion & Experian : Collection/Charge-off Equifax : No data available Absence of adverse rating with Equifax further highlights inconsistency XXXX 

Comments TransUnion : Placed for Collection Equifax : Medical Experian : Unpaid balance reported as a loss by credit grantor Differing narrative language across all bureaus violates consistent reporting obligations.

Payment History No history available on all three Missing history diminishes the verifiability of the account and contributes to consumer harm through inaccurate scoring and profile data.

LEGAL BASIS FOR DISPUTE : Under 15 U.S.C. 1681i of the FCRA, credit reporting agencies are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of any information on their credit file.

Additionally, under 15 U.S.C. 1681e ( b ), credit bureaus must ensure all data reported is complete and accurate to the maximum extent possible. When information is materially inconsistent, incomplete, or unverifiable, the FCRA mandates that the item be corrected or deleted.

REQUESTED ACTION : Due to the numerous and material discrepancies outlined above, I am demanding the immediate deletion of this account from my credit file. If you determine the account to be verified as accurate, I am formally requesting the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which includes : The name, address, and contact details of the entity that verified the information A description of the documentation used in the verification ENCLOSURES : Copy of government-issued ID Proof of address ( recent utility bill ) Copy of the credit report highlighting the disputed account This letter shall serve as a formal dispute. Please respond to me in writing within 30 days as required by federal law. 

Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX : XX/XX/XXXX | SSN : * -- XXXX Phone : XXXX Email : 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