Consumer complaint received 2025-04-22 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:
CFPB Dispute Narrative XXXX XXXX XXXX ( Collections Account ) Creditor/Agency : XXXX XXXX XXXX Balance Reported : {$2300.00} Original High Balance : {$20000.00} Reporting Bureaus : TransUnion, Equifax, Experian 1.Date of Last Activity : Conflicting Dates ( XX/XX/XXXX vs XX/XX/XXXX vs XX/XX/XXXX ) 2.Date Opened : Conflicting Dates ( XX/XX/XXXX vs XX/XX/XXXX ) Summary of Issues and FCRA Violations I am formally disputing the accuracy and completeness of the XXXX XXXX XXXX  account currently in collections on my consumer credit report. This account is riddled with conflicting information, blank fields, and missing data, and it fails to meet the requirements outlined under the Fair Credit Reporting Act ( FCRA ) for accurate and verifiable credit reporting. 

Documented Inconsistencies and Missing Data Across All 3 Bureaus : 1.Date Opened Inconsistent TransUnion : XX/XX/XXXX Equifax/Experian : XX/XX/XXXX 2.Last Activity Date Conflicting & Possibly Re-aged TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX 3.Responsibility Field Conflict TransUnion & Equifax : Individual Experian : Undesignated 4.Monthly Payment Missing or {$0.00} Across Bureaus No monthly obligation is shown, which is inaccurate for a retail installment contract or lease. 

5.Account Status Inconsistent and Contradictory Descriptions such as Charge-Off, Open, Transferred to Recovery, Collection Account are used inconsistently without context or uniformity. 

6.Payment History Conflicts TransUnion reports 100 % on-time payments but provides no payment history Experian shows 40 % on-time payments, with no alignment across dates Equifax : history either missing or fragmented 7.High Balance & Unpaid Balance Conflicts High Balance : {$20000.00} Unpaid Balance : {$2300.00} No record of how this balance was calculated or reduced 8.Term Source Type Blank Loan type or classification is completely omitted across bureaus 9.Remarks Missing or Conflicting TransUnion : Blank Equifax : Unpaid Balance Reported As a Loss, Transferred to Recovery Experian : Collection/Charge-Off with no additional detail Violations of the FCRA This tradeline violates multiple provisions of the Fair Credit Reporting Act, including : FCRA 1681i ( Section 611 ) : Right to dispute and require reinvestigation of inaccurate or unverifiable information FCRA 623 ( a ) ( 1 ) ( A ) : Obligation to report data accurately and fully FCRA 623 ( a ) ( 5 ) : Failure to provide accurate Date of First Delinquency ( DOFD ) FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Right to request a full Method of Verification ( MOV ) My Demands : 1.Full deletion of this account from TransUnion, Experian, and Equifax due to unverifiable, contradictory, and incomplete data.

2.Formal Method of Verification ( MOV ) : Name, address, and phone number of the party that verified the information Procedure used to verify ( manual/electronic ) 3.Tangible Proof Required : Signed retail installment contract or lease agreement 4.Full payment and billing history Explanation of how balance was calculated and reduced 5.Accurate and verifiable DOFD 6.Proof of collection authority and current ownership Fair Resolution Requested : Due to the severity and volume of inconsistencies, and the failure to provide supporting documentation or consistency across reporting agencies, this account should be permanently deleted from all credit reports under FCRA 611 ( a ) ( 5 ) ( A ).

If the data furnishers and credit bureaus are unable to fully verify this information with proper documentation within the FCRA-prescribed timeframe, this account must be removed without further delay as required by law.

Consumer Harm Statement : This inaccurate and inconsistent reporting has negatively impacted my client 's ability to obtain credit and caused ongoing financial and reputational harm. I respectfully request that the CFPB enforce corrective action and ensure compliance with the FCRA to prevent further damage to the consumer.

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