Consumer complaint received 2025-07-02 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Virginia XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington XXXX DC XXXX RE : Formal Complaint and Dispute of Inaccurate and Inconsistent Reporting - XXXX  Account Account Numbers : - TransUnion : XXXX * * * * - Experian : XXXX * * * * - Equifax : XXXX * * * * Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally report multiple violations of the Fair Credit Reporting Act ( XXXX  ) and XXXX XXXX compliance standards concerning the above-referenced account appearing on my credit reports from TransUnion, Experian, and Equifax. 
Upon careful inspection, I found multiple inconsistencies and inaccuracies across the credit reporting agencies ( CRAs ) which have not been corrected. These include : XXXX. Inconsistent Account Status - TransUnion reports the account as Closed. 
- Experian reports the account as Paid.

- Equifax reports the account as Open. 
These discrepancies violate XXXX XXXX guidelines that require consistent account status reporting across all CRAs. 
XXXX. Inaccurate Payment History - TransUnion and Experian show XXXX late payments in XXXX and XX/XX/XXXX despite showing {$0.00} balances and closed accounts by XX/XX/XXXX. 
- Equifax reports a {$490.00} balance and XXXX delinquency, contradicting the other agencies. 
This violates FCRA Section XXXX ( a ), which prohibits reporting of inaccurate or unverifiable information. 
XXXX. Inconsistent Terms and Balances - TransUnion lists Date Opened as XX/XX/XXXX while Experian and Equifax list XX/XX/XXXX. 
- TransUnion and Experian list XXXX terms ; Equifax lists 0 months. 
- Equifax still reports a {$490.00} balance while the others report {$0.00}. 
These discrepancies violate FCRA Section XXXX ( b ) and XXXX XXXX guidelines for accuracy and uniformity. 
XXXX. Conflicting Payment Statuses and Comments - TransUnion : " Closed '' and " Current '' - a contradiction. 
- Experian omits comments but lists " Current ''. 
- Equifax : " Open '', " Late 60 Days '', and " Secured Fixed Rate '' simultaneously.

This misreporting violates FCRA Section XXXX ( b ), which mandates the highest level of accuracy in reporting. 
Requested Action : I respectfully request the CFPB investigate this matter and compel the data furnishers and CRAs to correct or delete any inaccurate, inconsistent, or unverifiable information. I have made good-faith efforts to resolve this through the credit bureaus, and am now escalating due to noncompliance. 
Attached are supporting documents including : - A copy of my government-issued ID - A recent utility bill for identity verification - Screenshots and excerpts from the credit report showing the discrepancies Thank you for your attention to this matter. 
Sincerely, 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