Consumer complaint received 2025-06-11 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:
To : TransUnion LLC XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

From : Name : XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Email : XXXX Phone Number : XXXX Re : Account Dispute Sprint ( Acct # XXXX / XXXX ) To Whom It XXXX Concern, I am submitting a formal dispute regarding an account allegedly associated with XXXX and appearing on my credit reports. This account is inaccurately and inconsistently reported across TransUnion, Equifax, and Experian, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Please find below a detailed list of the reporting inconsistencies : XXXX. Account XXXX : TransUnion reports the account number as XXXX ( longer format ) XXXX XXXX XXXX  report it as XXXX ( shorter format ) XXXX. Date of Last Activity : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX XXXX. Original Creditor : TransUnion : Reports XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. Term/Source Type : TransUnion & XXXX XXXX XXXX XXXX : Reports " Proved '' XXXX. Account Status : TransUnion XXXX XXXX : Open XXXX  : Charge Off XXXX. Recent Adverse Rating : TransUnion & XXXX  : Reports Collection/Charge Off XXXX  : XXXX " No Data Available '' XXXX. Payment History : TransUnion : No payment history available XXXX  : XXXX XXXX  on-time payment history XXXX  : XXXX payments made on time These discrepancies across the XXXX bureaus violate my right to accurate and consistent reporting, as required by : FCRA 1681e ( b ) : Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

FCRA 1681i ( a ) : If a consumer disputes the completeness or accuracy of any item of information, the agency must conduct a reasonable reinvestigation. 

XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : The XXXX found that a credit reporting agency must go beyond a mere parroting of information received from the furnisher and must conduct a reasonable investigation. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Inaccurate credit reporting, including internal inconsistencies, is sufficient grounds for legal action under the FCRA. 

Because of the severe discrepancies above, I am requesting that this account be : Deleted entirely from all three credit bureaus unless it can be properly verified and corrected across all platforms in a consistent and lawful manner. 

If verified, I am demanding a full Method of Verification ( MOV ) as allowed under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), including the name and contact information of the furnisher and a description of the procedure used to verify the information. 

If this account is verified without resolving these inconsistencies, I will consider it a willful violation of the FCRA, and I reserve my right to seek legal remedies, including complaints with the CFPB and FTC and potential civil litigation. 

Please confirm receipt of this dispute and respond within the XXXX window required by law. 

Thank you for your prompt attention to this matter. 

Attached is my State Id for proof of identity utility for proof of address a screenshot of the highlighted inconsistencies being reported Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY 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