Consumer complaint received 2025-09-07 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:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX  SSN ( last XXXX ) : XXXX Email : XXXX Phone : XXXX To : TransUnion Consumer Solutions XXXX. XXXX XXXX, XXXX, PA XXXX Experian XXXX Relations XXXX. XXXX XXXX, XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate, Incomplete, Misleading, and Duplicative Reporting Under the Fair Credit Reporting Act ( FCRA ) Dear Credit Bureau , I am formally disputing the inaccurate, inconsistent, incomplete, and duplicative reporting of the following account on my consumer credit file, in violation of 15 U.S.C. 1681e ( b ) ( duty to assure maximum possible accuracy ) and 15 U.S.C. 1681i ( duty to reinvestigate disputed information ). Additionally, this dispute involves double reporting, which is unlawful under the FCRA and established in Pinner v. Schmidt, 805 F.2d 1258 ( 5th Cir. 1986 ), where the court held that duplicate reporting of the same debt constitutes inaccurate and misleading credit reporting. 

Account in Dispute Creditor/Collector : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX ( TransUnion & Experian )/ XXXX ( Equifax ) Disputed Items and Specific Errors 1. Double Reporting This account appears twice with two different account numbers.

Double reporting the same debt is misleading, inaccurate, and unlawful. 

2. Account Type TransUnion & Experian : Collection Equifax : Open Account This inconsistency is materially misleading.

3. Monthly Payment TransUnion & Experian : Blank Equifax : {$0.00} Incomplete and inconsistent reporting. 

4. Date Opened TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Inconsistent dates that can not all be accurate.

5. Number of Months ( Terms ) TransUnion & Experian : Blank Equifax XXXX XXXX Incomplete reporting. 

6. Credit Limit TransUnion & Experian XXXX Blank Equifax XXXX {$0.00} Inconsistent and incomplete reporting. 

7. Past Due Amount TransUnion & Experian : Blank Equifax : {$1500.00} Conflicting amounts render this unverifiable.

8. Payment Status TransUnion & Experian : Collection/Charge-Off Equifax : Late 120 Days Status must be uniform and accurate.

9. Last Reported Date TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Dates are inconsistent. 

XXXX. Last Active Date TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX I have never made activity in XXXX. This constitutes illegal re-aging. 

XXXX. Date of Last Payment TransUnion & Experian : Blank Equifax : XX/XX/XXXX Inconsistent and unverifiable reporting. 

XXXX. Two-Year Payment History TransUnion : Blank Experian : Blank Equifax XXXX Shows OK from XX/XX/XXXX through XX/XX/XXXX This is factually impossible as I made no payments in XXXX. 

Applicable FCRA Laws and Case Law 15 U.S.C. 1681e ( b ) : CRAs must assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Must reinvestigate disputed information within 30 days.

15 U.S.C. 1681i ( a ) ( 5 ) : Must delete or correct inaccurate, incomplete, or unverifiable data.

15 U.S.C. 1681s-2 ( a ) ( 8 ) : CFPB.gov disputes must be treated equally to direct disputes.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Requires disclosure of Method of Verification ( MOV ).

15 U.S.C. 1681n & 1681o : Provides consumer remedies for violations.

Case Law : Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. XXXX ) superficial verifications violate the FCRA.

Cousin v. TransUnion Corp., 246 F.3d 359 ( 5th Cir. XXXX ) misreporting credit limits/balances is willful noncompliance. 
Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. XXXX ) misleading reporting = inaccurate reporting. 
Pinner v. Schmidt, 805 F.2d 1258 ( 5th Cir. XXXX ) duplicate reporting of debt is unlawful. 
Richardson v. Equifax Credit Info. Servs., 2004 WL 1124943 re-aging an account violates FCRA .

CFPB.gov Disputes Disputes submitted via CFPB.gov must be treated the same as direct disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 8 ), you are required to fully investigate and correct inaccurate or duplicative reporting.

Method of Verification ( MOV ) If you verify this account as accurate, I demand a Method of Verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) within 15 days of completion of your reinvestigation, including : Name, address, and phone number of each furnisher contacted.

The method used to verify the disputed information.

Copies of all records, documents, or communications relied upon.

Requested Action Delete this XXXX XXXX XXXX account due to double reporting, illegal re-aging, and conflicting data. 

If not deleted, correct to reflect consistent, accurate, and complete information. 

Provide written confirmation of corrections or deletions. 

Timeframe for Compliance 30 days for reinvestigation under 1681i.

15 days for MOV response if verified.

Preservation of Rights This serves as formal notice that I am preserving all rights under the FCRA. Continued violations will result in complaints to the CFPB, FTC, and State Attorney General and possible civil action under 1681n and 1681o for damages, attorneys fees, and costs. 

Respectfully, 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