Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) www.consumerfinance.gov/complaint Subject : Dispute of Inaccurate and Inconsistent Credit Reporting Request for Deletion and Legal Compensation To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file across the three major credit bureaus TransUnion, Experian, and Equifax. These discrepancies violate the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681e ( b ) and 1681s-2 ( b ), which require that all consumer credit reporting must be accurate and consistent. 

Accounts in Dispute : XXXX. XXXX Auto Loan Account # : XXXX - TransUnion & Experian : Reported as Charge Off / Collection - Equifax : Reported as *OK / Current* - This inconsistency in status violates the requirement for accurate and consistent reporting. 

XXXX. XXXX XXXX XXXX XXXX # XXXX Account # : XXXX - TransUnion & Experian : Derogatory / Charged Off - Equifax XXXX OK / Paid As Agreed XXXX. XXXX Auto Finance Loan # XXXX Account # : XXXX ( Reported twice ) - TransUnion & Experian : XXXX XXXX / XXXX - Equifax : Reported as OK for same dates- There are XXXX separate entries under the same account number with different charge-off balances and inconsistent payment histories. 

XXXX. XXXX Auto Loan Account # : XXXX - TransUnion & Experian : *Charge Off / Derogatory - Equifax : XXXXGood Standing / OK* These conflicting account statuses across agencies violate FCRA 1681e ( b ), which mandates maximum possible accuracy. Additionally, once a dispute is filed, FCRA 1681s-2 ( b ) requires the data furnishers and agencies to *correct or delete inaccurate, unverifiable, or inconsistent information* and prevent its reappearance. 

My Requests : 1. Immediate deletion of these inaccurate and conflicting accounts from all consumer reporting agencies. 
2. Blocking of these entries from being reinserted unless the data is verified and consistently corrected across all bureaus. 
3. A full investigation into the reporting practices of the furnishers involved ( XXXX, XXXX, XXXX ). 
4. Compensation for the emotional and financial harm caused by this misinformation including increased loan denials, interest rates, and credit rejections. 
5. Preserve my right to pursue legal action under FCRA 1681n and 1681o for willful or negligent noncompliance, including statutory and punitive damages. 

Attached Documentation : - Credit Report with highlighting of the conflicting reports- Screenshots from XXXX report with inconsistent account details The ongoing negative impact of this misinformation is causing severe hardship, and I expect a swift and lawful resolution. Please confirm in writing the actions taken regarding this dispute.

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