Consumer complaint received 2025-06-08 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: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX To : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy, completeness, and consistency of the XXXX XXXX XXXX account ( Account XXXX XXXX ) as reported on my credit file. After reviewing my credit reports from all three bureausTransUnion, Equifax, and ExperianI have identified numerous factual inconsistencies in how this account is being reported. These discrepancies not only raise serious questions about the accuracy of the data being furnished, but also constitute multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2. 

Below are the specific inconsistencies across the XXXX agencies : 1. Balance Amount : TransUnion and Experian report the balance as {$7100.00} Equifax reports the balance as {$7200.00} XXXX. High Balance : TransUnion : {$15000.00} Equifax : {$7200.00} Experian : {$15000.00} XXXX .Last Activity Date : TransUnion and Experian : XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX. Account Type : TransUnion : Auto Loan Equifax and Experian : Automobile XXXX. Remarks : TransUnion : Blank Equifax : " Charged Off Account '' Experian : " Unpaid Balance Reported As A Loss By Credit Grantor '' 6. Delinquency History ( XX/XX/XXXX Days Late ) : TransUnion : XXXX Equifax : XXXX Experian : XXXX XXXX. Months Reviewed : TransUnion : XXXX Equifax : XXXX Experian : XXXX XXXX. Payment History Reporting : TransUnion : No history available Equifax : " You've made XXXX  % of payments for this account on time '' Experian : " You've made XXXX  % of payments on time '' These discrepancies directly contradict one another and make it impossible for all three to be accurate, which is a clear violation of your duties under FCRA 1681e ( b ) to report information with maximum possible accuracy.

Additionally, under FCRA 1681i ( a ) ( 1 ) ( A ), I am formally disputing the accuracy of this account. I demand that you conduct a reasonable reinvestigation and provide the Method of Verification ( MOV ) used to verify this data, pursuant to FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

If the furnisher of this data can not produce the exact source documents used to verify the disputed information, the account must be deleted under the law. 

Further, in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), the court held that a consumer reporting agency may not rely blindly upon the information provided by the source, and is required to go beyond the original furnisher when an account is under dispute. Simply parroting information from the creditor is insufficient. 

Method Of Verification : If you verify this account, I demand : A detailed description of the method used for verification The name and contact information of the party who verified the account Proof of the last activity date and the last payment date used An explanation of why the high balance and delinquency history differ across bureaus Evidence of how you calculated the % of payments made on time, and any internal scoring formulas used Given the number of factual conflicts in the reporting of this account, it is evident that continued reporting in its current form is materially misleading, a violation recognized in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

If this account can not be fully verified with proper documentation and corrected to be consistent across all three credit reporting agencies, it must be immediately deleted from my file, as required by law.

Please complete your reinvestigation and respond within the 30-day window provided under FCRA 1681i ( a ) ( 1 ) ( A ). Failure to comply will result in further complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and possible legal action. 

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