Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
ACCOUNT DETAILS AND INCONSISTENCIES : Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inconsistencies suggest errors in reporting timelines and undermine data reliability. 

2. Monthly Payment All Bureaus : {$0.00} An account allegedly in active collections would not have a consistent {$0.00} payment. This calls the reporting structure into question.

3. Term / Source Type All Bureaus : Blank Omission of this essential information violates accuracy and completeness standards under 15 U.S.C. 1681e ( b ).

4. Account Status TransUnion : Open Equifax : Refinanced Experian : Charge-Off These conflicting classifications represent three different stages of account lifecycle. They ca
n not all be true.

5. Most Recent Adverse Rating TransUnion & Experian : Collection / Charge-Off Equifax : No data available This discrepancy further questions the integrity of this data across bureaus. 
Comments 6. TransUnion : Placed for Collection Equifax : Refinanced Experian : Unpaid balance reported as a loss by credit grantor Remarks contradict one another and imply three different account outcomes.


7. Payment History All Bureaus : No history available If no payment history is reported, bureaus can not justify delinquency or charge-off designations.

LEGAL BASIS FOR DISPUTE : Per 15 U.S.C. 1681i, a credit reporting agency must conduct a reasonable reinvestigation of any item in dispute. Furthermore, under 15 U.S.C. 1681e ( b ), you are legally required to maintain and report information with maximum possible accuracy. 

Where inconsistencies, incomplete data, or unverifiable details exist, the information must be deleted from my credit file.

In addition, under the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to know how this data was verified and what documentation supports its accuracy. 

REQUESTED ACTION : Due to the unresolved and material inconsistencies listed above, I am demanding the immediate deletion of this XXXX account from my credit report.

If you choose to verify the account as accurate, I am formally requesting the Method of Verification ( MOV ) as allowed under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This includes : The name, address, and contact information of the party who verified the information.

A copy of the documentation used in the verification process.

ENCLOSURES : Copy of my government-issued ID Proof of address ( utility bill ) Copy of credit report showing disputed account Please consider this a formal dispute and respond in writing within 30 days, as required by federal law. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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