Consumer complaint received 2025-06-21 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:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Ny XXXX Phone : XXXX Email : XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the inaccurate and inconsistent information reported on my credit file concerning the collection account associated with XXXX XXXX XXXX and the original creditor XXXX XXXX. Below are the key discrepancies and inconsistencies between your agencies ' reports : 1. Account Number Discrepancy TransUnion reports : XXXX Experian reports : XXXX Violation : FCRA 607 ( b ) You are required to maintain maximum possible accuracy. 

2. Last Activity Date Conflict TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX A four-year gap raises serious concerns about the accuracy and freshness of the reported data.

Violation : FCRA 605 ( a ) Re-aging of accounts is illegal.

3. Original Creditor Field Conflict TransUnion : Lists XXXX XXXX Experian : Original creditor is blank Violation : FCRA 609 ( a ) ( 1 ) Consumer has the right to know the source of each item of information.

4. Account Status Inconsistency TransUnion : Reports Open Experian : Reports Charge-off An account can not legally be both " Open '' and " Charged Off ''.

Violation : FCRA 607 ( b ) 5. Comments and Payment History Conflict TransUnion Comments : " Placed for collection. '' Experian Comments : " Unpaid balance reported as a loss by credit gra
ntor. '' TransUnion Payment History : " No history available. '' Experian Payment History : " 0 % of payments made on time. '' This shows inconsistencies that call the accounts accuracy and validity into question.

Violation : FCRA 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable investigation.

Requested Action ( Verification or Deletion Only ) Under 15 U.S. Code 1681i ( FCRA 611 ), I am requesting : A full Method of Verification ( M.O.V ) only if this account is verified as accurate.

If the account can not be verified accurately and completely, it must be deleted from my credit report in compliance with 
the FCRA.

Case Law Support Richardson v. Equifax, 2004 Reporting inconsistent data without resolution constitutes failure to maintain maximum accuracy.

Cushman v. TransUnion, 115 F.3d 220 ( 3rd Cir. 1997 ) A credit bureau must go beyond the original furnisher if inaccuracies are clearly present.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Reporting contradictory data after a dispute may be considered willful noncompliance.

Attached Documents Copy of State ID ( Proof of Identity ) Copy of a recent Utility Bill ( Proof of Address ) Highlighted Screenshot of inconsistencies.

Please complete your reinvestigation within 30 days as required by FCRA 611 ( a ) ( 1 ) ( A ) and send me written confirmation of your findings. 

Sincerely, 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