Consumer complaint received 2025-06-25 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, XXXXXXXX XXXX XXXX XXXX NY XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : Transunion/Equifax/Experian  RE XXXX Formal Dispute of Inaccurate Credit Reporting Request for Deletion Account Name : XXXX XXXX  Partial Account Number : XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX 

To Whom It May Concern, I am formally disputing the above-referenced account listed on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. After reviewing my credit report, I have identified multiple, material inaccuracies and inconsistencies in the reporting of this account across the three major bureaus ( TransUnion, Equifax, Experian ), which constitutes inaccurate and unverifiable reporting.

Below are the documented inconsistencies as of my most recent report retrieval : 1. Date of Last Activity : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX XXXX. XXXX XXXX : TransUnion : XXXX XXXX Bank XXXX. 
Equifax : Blank Experian : XXXX XXXX. Term/Source Type : TransUnion : XXXX Equifax XXXX XXXX Experian : Provided XXXX. Account Status : TransUnion : Open Equifax : Open Experian : Charged Off XXXX. Most Recent Adverse Rating : TransUnion : Collection / Charge Off Equifax : No Data Available Experian : Collection / Charge Off XXXX. Comments : TransUnion : Collection Equifax : Collection Experian : Unpaid balance reported as a loss by credit grantor XXXX. Payment History : TransUnion : No history available Equifax : 100 % On-Time Payment History Experian : 0 % On-Time Payment History These discrepancies are factually and legally unacceptable. It is impossible for the same account to simultaneously be Open, Charged Off, and have conflicting payment histories. 

Legal Grounds : Under 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable investigation when a consumer disputes information. Reporting materially inconsistent or impossible data violates the FCRA, and failure to correct such data exposes your agency and the furnisher to civil liability under 15 U.S.C. 1681n and 1681o. 

Furthermore, case law such as XXXX v. TransUnion, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) held that CRAs are obligated to go beyond a superficial review and must perform a meaningful investigation when inconsistencies are presented. 

Action Requested : 1. Immediately delete this account from my credit file with your agency. 
2. Provide a detailed Method of Verification ( MOV ) in accordance with 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) if you verify this account as accurate.

3. If you are unable to obtain consistent, factual, and verifiable documentation, you must delete this account in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

Attached to this letter are the following items for verification of identity and residency : A copy of my state-issued ID My most recent W-2 A screenshot highlighting the inconsistencies on each bureau 's report I expect a response within the 30-day period as mandated by law. If this matter is not resolved in a lawful and timely fashion, I will not hesitate to escalate this to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action if necessary. 

Sincerely, 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