Consumer complaint received 2025-08-17 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:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax Information Services, XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXXnformation Solutions , Inc. 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Reporting Account : XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the accuracy and completeness of the above-referenced account being reported under my credit file with your bureaus. After reviewing my reports, I have identified material inconsistencies and factual inaccuracies between Equifax and Experians reporting of this account. These discrepancies constitute violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Inconsistencies Identified : Creditor Name : Equifax reports XXXX  while Experian reports XXXX XXXX XXXX. 

Date of Last Activity : Equifax reports XX/XX/XXXX while Experian reports XX/XX/XXXX. 

XXXX XXXX : Equifax and Experian both fail to provide this information ( incomplete reporting ). 

Account Status : Equifax reports Open while Experian reports Charge-Off. 

Adverse Rating : Equifax reports No Data Available while Experian reports Collection/Charge-Off. 

Payment History : Equifax inaccurately reports 100 % on-time payments, while Experian reports 0 % on-time payments. These two entries are contradictory and factually impossible to both be true.

Legal Basis for Dispute : Under FCRA 1681i ( a ), consumer reporting agencies must conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any item. 
Under FCRA 1681e ( b ), CRAs must follow reasonable procedures to assure maximum possible accuracy of information. Reporting two materially conflicting versions of the same account violates this duty.

Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers may not furnish information they know, or should know, is inaccurate. 

Disputes filed via CFPB.gov must be treated as no less valid than direct disputes, pursuant to 623 ( a ) ( 8 ). 

Case law, including XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), holds that a reasonable reinvestigation requires more than parroting the furnishers datait requires independent verification. Courts have also held in XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) that materially misleading reporting constitutes an FCRA violation. 

Demands : Immediate reinvestigation of this account pursuant to 1681i ( a ).

If verified, provide a detailed Method of Verification ( MOV ) pursuant to 1681i ( a ) ( 6 ) ( B ) ( iii ) within 15 days of verification. 

Correct or delete all inaccurate, inconsistent, and incomplete data from my credit file within 30 days, as required by law. 

Preservation of Rights : Please be advised that if these violations continue, I reserve all rights to pursue legal action for damages under FCRA 1681n and 1681o. This letter shall serve as evidence that you have been placed on notice. 
I expect full compliance within the statutory deadlines outlined above. Please send confirmation of the results of your reinvestigation to my mailing address. 

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