Consumer complaint received 2025-08-11 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: CT

Complaint narrative:
Formal Complaint and Dispute under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX XXXX Account Reporting Inaccuracy To Whom It May Concern : I, XXXX XXXXUCC-1308, pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), hereby submit this formal complaint and dispute regarding the inaccurate and inconsistent reporting of my mortgage account with Idaho XXXX XXXX XXXX on my consumer credit files maintained by Equifax and Experian. 

XXXX. Account Information in Dispute Creditor : Idaho XXXX XXXX XXXX Account Type : FHA Mortgage Account Number : XXXX Date Opened : XX/XX/XXXX Report Date : XX/XX/XXXX ( Equifax )/ XX/XX/XXXX ( Experian ) 2. Nature of the Dispute Upon reviewing my credit disclosures from Equifax and Experian, I have identified the following material inaccuracies and inconsistencies : a. Discrepancies in Reported Payment History : Equifaxs reporting displays numerous late payment notations ( 30, 60, 90 days past due ) for certain months, whereas Experians reporting for the same months either shows different delinquency durations, omits such notations, or lists them under different months entirely.

This inconsistency demonstrates that at least one of these credit reporting agencies is furnishing erroneous payment status data, which constitutes a violation of 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy.

b. Failure to Accurately Reflect Account Status : Equifax lists the account as Pays As Agreed, yet also lists multiple delinquencies, a contradiction that is internally inconsistent and misleading to prospective creditors.

c. Incomplete and Inconsistent Reporting Periods : Certain months are reported as ND ( No Data ) or omitted entirely in Experians history while Equifax reports delinquencies for those same months. This indicates a failure to maintain complete and verifiable information as required by 15 U.S.C. 1681i ( a ).

3. Legal Basis for Complaint Under the FCRA : 15 U.S.C. 1681i ( a ) requires a credit reporting agency to conduct a reasonable reinvestigation of disputed information and delete or correct any data found to be inaccurate or unverifiable.

15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report.

15 U.S.C. 1681s-2 ( a ) ( 1 ) prohibits a furnisher of information from reporting information it knows or has reasonable cause to believe is inaccurate.

The conflicting and contradictory payment history reporting across Equifax and Experian records demonstrates a breach of these obligations.

4. Requested Action I demand that the CFPB : Initiate a formal investigation into Equifax, Experian, and XXXX XXXXXXXX XXXX XXXX for failure to ensure maximum possible accuracy in the reporting of my account. 

Compel the deletion or correction of any unverifiable or inaccurate late payment notations for the affected months. 

Require all consumer reporting agencies to update my file to reflect only verified and substantiated payment history data.

5. Enclosures I have enclosed the following documents to substantiate my claim : Screenshot of Equifax credit report ( XXXX XXXX XXXX XXXX account details and payment history ). 

XXXX of Experian credit report XXXX XXXX XXXXXXXX XXXX XXXX account details and payment history ). 

6. Reservation of Rights This complaint and dispute is made without prejudice to any other rights or remedies available to me under state or federal law, including the right to seek statutory damages, actual damages, and attorneys fees pursuant to 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance.

I respectfully request written confirmation of receipt of this complaint and a detailed statement of the actions taken in response. 

Sincerely, XXXX XXXX XXXX XXXX : Equifax XXXX XXXX XXXX XXXX account report XXXX XX/XX/XXXX ) Experian XXXX XXXXXXXX XXXX XXXX account report XXXX XX/XX/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