Consumer complaint received 2025-06-21 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 XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX Subject : Formal Dispute Request Under FCRA XXXX XXXX Account Reporting Inconsistencies Account Name : Capital XXXX Account Number : XXXX To Whom It May Concern, I am writing to dispute inaccurate, incomplete, and inconsistent information being reported regarding the above-referenced account. This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), which grants consumers the right to dispute information they believe is incorrect. I respectfully request that you conduct a proper investigation and provide the method of verification ( M.O.V ) if this account is verified as accurate. 

The information listed by each bureau is materially inconsistent and misleading. Below are the discrepancies that I am disputing : Inconsistencies Between TransUnion, Experian, and Equifax : Last Activity Date TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Account Type TransUnion : Credit Card Experian : Credit Card Equifax : XXXX XXXX TransUnion : XXXX Equifax : Charged-Off Account Experian : " Unpaid balance reported as a loss by credit grantor, account closed at credit grantors request '' Months Reviewed TransUnion : XXXX Equifax : XXXX Experian : XXXX High Balance TransUnion : {$3600.00} Equifax : {$3600.00} Experian : {$3000.00} Monthly Payment All three bureaus : {$0.00} Payment History TransUnion : No history available Equifax : XXXX XXXX of payments reported on time Experian : XXXX XXXX of payments reported on time Term Source Type All three bureaus : Blank These discrepancies violate the accuracy requirements under 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies maintain maximum possible accuracy. Failing to correct or thoroughly investigate these issues would also violate 15 U.S.C. 1681i ( a ). 

Additionally, per Cushman v. Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), a credit bureau must do more than just parrot the furnishers response it must conduct an independent and reasonable investigation. 

Action Requested : Please conduct a full and proper investigation under the FCRA. 

Please provide a Method of Verification ( M.O.V. ) if the account is verified as accurate. 

If the information can not be verified or continues to show inconsistency, please delete or correct this account across all three bureaus to match verified information. 

Enclosed : A copy of my government-issued State ID for proof of identity A copy of my utility to verify proof of address Please address these matters with attention to the specific inconsistencies and ensure that any reporting done in the future complies with the FCRAs requirement for accuracy and completeness. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY 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