Consumer complaint received 2025-05-20 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:
To : TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : IMMEDIATE DEMAND FOR DELETION OF INACCURATE, UNVERIFIED ACCOUNTS VIOLATION OF FCRA AND FDCPA Dear Credit Bureau, I am formally disputing the accuracy and legality of the following derogatory accounts being reported on my credit file. The information furnished is not only inconsistent between bureaus, but also appears to violate multiple provisions under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Disputed Accounts : XXXX. XXXX Account # : XXXX * * * * Balance : {$800.00} Reported Status : XXXX XXXX Reporting : TransUnion, Experian, Equifax XXXX XXXX XXXX XXXX Account # : XXXX * * * * / XXXX * * * * Balance : {$500.00} Reported Status : XXXX XXXX Reporting : TransUnion, Experian, Equifax Legal Violations and Discrepancies : Inconsistent and Conflicting Data : Account status, open/charge-off status, high credit, and activity dates vary across bureaus. Under XXXX XXXX. XXXX ( b ), data must be reported with maximum possible accuracy. These inconsistencies demonstrate a failure to comply. 

No Verification or Legal Proof : Under XXXX XXXX. XXXX ( a ) ( XXXX ), you are obligated to verify all disputed information within XXXX days or delete it. No valid verification has been provided to me regarding these debts. 

Unlawful Re-aging and Continued Reporting : The XXXX XXXXXXXX account last showed activity in XXXX, but Experian shows last reporting in XXXX, suggesting possible unlawful re-aging, which is a violation of FCRA XXXX ( a ) governing time limits for negative reporting. 

Prior Disputes Ignored or Inadequately Investigated : Notes on both accounts indicate prior disputes but provide no documentation showing a lawful investigation or legitimate response. 

Consumer Harm and Intentional Negligence : The continued reporting of unverified, inconsistent, and outdated data is causing substantial harm to my credit profile and appears to be a willful act of negligence. 

DEMAND FOR ACTION I hereby demand the following, without delay : Immediate deletion of XXXX XXXXXXXX account from all three credit reporting agencies. 

A full reinvestigation and the furnishing of complete verification documents from the original creditor ( XXXX ). 

Written confirmation of removal within XXXX days of receipt of this letter. 

Failure to comply will result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General, and XXXX lead to legal action pursuant to XXXX XXXX  XXXX & XXXX for willful or negligent noncompliance. 

This letter serves as formal notice of dispute. You are now legally on record. Govern yourselves accordingly. 

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