Consumer complaint received 2024-05-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Based on the provided account information for XXXX from the credit report, the following data appears to be either incomplete or inconsistently reported between the three credit bureaus ( XXXX, XXXX, and XXXX ) : 1. **Monthly Payment : ** - XXXX XXXX {$45.00} - XXXX : {$47.00} - XXXX XXXX {$47.00} - **Inconsistency : ** XXXX reports a different monthly payment amount compared to XXXX and XXXX. 

2. **Date Opened : ** - XXXX XXXX XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date opened compared to XXXX and XXXX. 

XXXX. **Balance : ** - XXXX : {$1200.00} - XXXX : {$1300.00} - XXXX XXXX {$1300.00} - **Inconsistency : ** XXXX reports a different balance compared to XXXX and XXXX. 

4. **High Credit : ** - XXXX XXXX {$1200.00} - XXXX : {$1300.00} - XXXX XXXX {$0.00} - **Inconsistency : ** Each bureau reports a different high credit amount. 

5. **Past Due : ** - XXXX : {$82.00} - XXXX : {$120.00} - XXXX XXXX {$120.00} - **Inconsistency : ** XXXX reports a different past due amount compared to XXXX and XXXX. 

6. **Payment Status : ** - XXXX : Late 30 Days - XXXX : Late 60 Days - XXXX XXXX Late 60 Days - **Inconsistency : ** XXXX reports a different payment status compared to XXXX and XXXX. 

7. **Last Reported : ** - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Each bureau has a different date for last reported. 

8. **Date Last Active : ** - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Each bureau has a different date last active.

9. **Date of Last Payment : ** - XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date of last payment compared to XXXX and XXXX. 

10. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : No entry - XXXX  : XXXX - XXXX : No entry - **Inconsistency : ** XXXX reports a 60-day late payment, while XXXX and XXXX have no entry .

11. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : XXXX - XXXX : XXXX - XXXX : XXXX XXXX **Consistency : ** All bureaus report a 30-day late payment.

12. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : XXXX - XXXX : XXXX - XXXX : XXXX XXXX **Consistency : ** All bureaus report a 30-day late payment.

The inconsistencies in the credit report data suggest that there may be errors or updates needed in one or more of the credit bureau reports to ensure all information is accurate and consistent.

Based on the provided account information for XXXX from the credit report, the following data appears to be either incomplete or inconsistently reported between the three credit bureaus ( XXXX, XXXX, and XXXX ) : 1. **Account Number : ** - XXXX XXXX XXXX - XXXX : XXXX - XXXX : XXXX XXXX **Inconsistency : ** XXXX reports a truncated account number compared to XXXX and XXXX. 

2. **Date Opened : ** - XXXX XXXX XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date opened compared to XXXX and XXXX. 

3. **High Credit : ** - XXXX XXXX {$2800.00} - XXXX : {$2800.00} - XXXX XXXX {$0.00} - **Inconsistency : ** XXXX reports a high credit of {$0.00}, while XXXX and XXXX report {$2800.00}. 

4. **Last Reported : ** - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different last reported date compared to XXXX and XXXX. 

5. **Date Last Active : ** - XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a significantly earlier date last active compared to XXXX and XXXX. 

6. **Date of Last Payment : ** - XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date of last payment compared to XXXX and XXXX. 

7. **Comments : ** - XXXX XXXX Dispute resolved ; reported by grantor - XXXX : Account was in dispute- now resolved - reported by subscriber. 
- XXXX : Charge - Amount in XXXX column is credit limit - **Inconsistency : ** Comments differ between the bureaus, with XXXX and XXXX noting dispute resolutions and XXXX providing different information.

8. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : No entry - XXXX  : OK - XXXX : No entry - **Inconsistency : ** XXXX reports " OK, '' while XXXX and XXXX have no entry . 

9. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : OK - XXXX  : OK - XXXX : OK XXXX **Consistency : ** All bureaus report " OK. '' 10. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : XXXX - XXXX : XXXX - XXXX : XXXX XXXX **Consistency : ** All bureaus report 30-day late payment.

The inconsistencies in the credit report data suggest that there may be errors or updates needed in one or more of the credit bureau reports to ensure all information is accurate and consistent.

Based on the provided account information for XXXX XXXX from the credit report, the following data appears to be either incomplete or inconsistently reported between the three credit bureaus ( XXXX, XXXX, and XXXX ) : 1. **Date Opened : ** - XXXX XXXX XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date opened compared to XXXX and XXXX. 

2. **No. of Months ( terms ) : ** - XXXX : XXXX - XXXX : XXXX - XXXX : XXXX - **Inconsistency : ** XXXX reports " XXXX '' months, whereas XXXX and XXXX report " 72 '' months.

3. **Last Reported : ** - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different last reported date compared to XXXX and XXXX. 

4. **Date Last Active : ** - XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a significantly earlier date last active compared to XXXX and XXXX. 

5. **Date of Last Payment : ** - XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date of last payment compared to XXXX and XXXX. 

6. **Comments : ** - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Auto, Fixed rate - **Inconsistency : ** XXXX provides additional comments that are not present in XXXX and XXXX reports. 

7. **Two-Year Payment History (  XX/XX/XXXX ) : ** - XXXX : No entry - XXXX  : OK - XXXX : No entry - **Inconsistency : ** XXXX reports " OK, '' while XXXX and XXXX have no entry . 

8. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : OK - XXXX  : OK - XXXX : OK XXXX **Consistency : ** All bureaus report " OK. '' 9. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : OK - XXXX  : OK - XXXX : OK XXXX **Consistency : ** All bureaus report " OK. '' 10. **Two-Year Payment History ( XX/XX/XXXX ) : ** - XXXX : XXXX - XXXX : XXXX - XXXX : XXXX XXXX **Consistency : ** All bureaus report a XXXX late payment.

The inconsistencies in the credit report data suggest that there may be errors or updates needed in one or more of the credit bureau reports to ensure all information is accurate and consistent.

Based on the provided account information for XXXX XXXX XXXX from the credit report, the following data appears to be either incomplete or inconsistently reported between the three credit bureaus ( XXXX, XXXX, and XXXX ) : 1. **Account Number : ** - XXXX XXXX XXXX - XXXX  : XXXX - XXXX : XXXX XXXX **Inconsistency : ** The account numbers are reported differently across the bureaus, with XXXX and XXXX reporting more digits than XXXX. 

2. **Date Opened : ** - XXXX XXXX XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date opened compared to XXXX and XXXX. 

3. **High Credit : ** - XXXX XXXX {$6100.00} - XXXX : {$6100.00} - XXXX XXXX {$5500.00} - **Inconsistency : ** XXXX reports a different high credit amount compared to XXXX and XXXX. 

4. **Credit Limit : ** - XXXX XXXX {$5500.00} - XXXX : {$5500.00} - XXXX XXXX {$0.00} - **Inconsistency : ** XXXX reports a credit limit of {$0.00}, while XXXX and XXXX report {$5500.00}. 

5. **Last Reported : ** - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different last reported date compared to XXXX and XXXX. 

6. **Date Last Active : ** - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Each bureau reports a different date last active.

7. **Date of Last Payment : ** - XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date of last payment compared to XXXX and XXXX. 

8. **Comments : ** - XXXX : Canceled by credit grantor - XXXX  : Account has been closed due to inactivity. 
- XXXX : Accounts closed by credit grantor - **Inconsistency : ** Each bureau provides different comments regarding the account closure.

The inconsistencies in the credit report data suggest that there may be errors or updates needed in one or more of the credit bureau reports to ensure all information is accurate and consistent.

Based on the provided account information for XXXX  from the credit report, the following data appears to be either incomplete or inconsistently reported between the three credit bureaus ( XXXX, XXXX, and XXXX ) : XXXX. **Account Number : ** - XXXX XXXX XXXX - XXXX : XXXX - XXXX : XXXX XXXX **Inconsistency : ** XXXX reports an extra hyphen before the account number compared to XXXX and XXXX. 

2. **Date Opened : ** - XXXX XXXX XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date opened compared to XXXX and XXXX. 

3. **No. of Months ( terms ) : ** - XXXX : XXXX - XXXX  : XXXX- XXXX : XXXX - **Inconsistency : ** XXXX reports " XXXX '' month, whereas XXXX and XXXX report " XXXX '' months. 

4. **Last Reported : ** - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different last reported date compared to XXXX and XXXX. 

5. **Date Last Active : ** - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Each bureau reports a different date last active. 

6. **Date of Last Payment : ** - XXXX : - - XXXX : - - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a date of last payment, whereas XXXX and XXXX do not provide this information. 

7. **Comments : ** - XXXX : Canceled by credit grantor - XXXX  : Account has been closed due to inactivity. 
- XXXX : Accounts closed by credit grantor, Credit card - **Inconsistency : ** Each bureau provides different comments regarding the account closure.

8. **Two-Year Payment History : ** - **XXXX XXXX : ** - XXXX : XXXX - XXXX : XXXX - XXXX : XXXX - **Consistency : ** All bureaus report " 90 '' days late. 
- XXXX XXXX : ** - XXXX : XXXX - XXXX : XXXX - XXXX XXXX XXXX - **Consistency : ** All bureaus report " 60 '' days late. 
- XXXX XXXX : ** - XXXX XXXX XXXX - XXXX : XXXX - XXXX XXXX XXXX - **Consistency : ** All bureaus report " 30 '' days late. 
- XXXX XXXX - XX/XX/XXXX : ** - XXXX : OK - XXXX  : OK - XXXX XXXX OK - **Consistency : ** All bureaus report " OK. '' - XXXX XXXX : ** - XXXX : OK - XXXX  : OK - XXXX : OK - **Consistency : ** All bureaus report " OK. '' - XXXX XXXX : ** - XXXX : OK - XXXX  : OK - XXXX : OK - **Consistency : ** All bureaus report " OK. '' - XXXX XXXX : ** - XXXX : OK - XXXX  : OK - XXXX : XXXX - **Consistency : ** All bureaus report `` OK. '' - XXXX XXXX : ** - XXXX : OK - XXXX  : OK - XXXX : OK - **Consistency : ** All bureaus report " OK. '' The inconsistencies in the credit report data suggest that there may be errors or updates needed in one or more of the credit bureau reports to ensure all information is accurate and consistent.

Based on the provided account information for XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) from the credit report, the following data appears to be either incomplete or inconsistently reported between the three credit bureaus ( XXXX, XXXX, and XXXX ) : 1. **Account Number : ** - XXXX XXXX XXXX - XXXX : XXXX - XXXX : ( missing data ) - **Inconsistency : ** XXXX does not report the account number.

2. **Account Type : ** - XXXX : Collection - XXXX : Collection - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the account type. 

3. **Account Type - Detail : ** - XXXX : Collection - XXXX  : Collection - XXXX : ( missing data ) - **Inconsistency : ** XXXX does not report the account type detail. 

4. **Bureau Code : ** - XXXX : Individual - XXXX : Individual - XXXX : ( missing data ) - **Inconsistency : ** XXXX does not report the bureau code. 

5. **Account Status : ** - XXXX : Derogatory - XXXX : Derogatory - XXXX : ( missing data ) - **Inconsistency : ** XXXX does not report the account status. 

6. **Monthly Payment : ** - XXXX XXXX - - XXXX : - - XXXX : ( missing data ) - **Inconsistency : ** XXXX does not report the monthly payment. 

7. **Date Opened : ** - XXXX XXXX XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX : ( missing data ) - **Inconsistency : ** XXXX and XXXX have different dates for when the account was opened ; XXXX does not report this information. 

8. **Balance : ** - XXXX : {$1200.00} - XXXX : {$1200.00} - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the balance. 

9. **No. of Months ( terms ) : ** - XXXX : - - XXXX : - - XXXX : ( missing data ) - **Inconsistency : ** XXXX does not report the number of months ( terms ).

10. **High Credit : ** - XXXX XXXX {$1200.00} - XXXX : {$1200.00} - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the high credit. 

11. **Credit Limit : ** - XXXX XXXX - - XXXX : - - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the credit limit. 

12. **Past Due : ** - XXXX XXXX - - XXXX : - - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the past due amount. 

13. **Payment Status : ** - XXXX XXXX Collection/Chargeoff - XXXX : Collection/Chargeoff - XXXX : ( missing data ) - **Inconsistency : ** XXXX does not report the payment status.

14. **Last Reported : ** - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX : ( missing data ) - **Inconsistency : ** XXXX does not report the last reported date. 

15. **Comments : ** - XXXX : Dispute resolved ; customer disagrees - XXXX : Subscriber reports dispute resolved - consumer disagrees. 
- XXXX : ( missing data ) - **Inconsistency : ** XXXX does not report any comments.

16. **Date Last Active : ** - XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX and XXXX report different dates last active ; XXXX does not report this information. 

17. **Date of Last Payment : ** - XXXX : - - XXXX : - - XXXX XXXX ( missing data ) - **Inconsistency : ** XXXX does not report the date of last payment. 

18. **Two-Year Payment History : ** - XXXX : No data reported - XXXX  : No data reported - XXXX : No data reported XXXX is missing many data points compared to XXXX and XXXX . The discrepancies and missing data across the credit bureaus suggest the need for a thorough review and potential corrections to ensure accuracy and completeness.

Based on the provided account information for AMEX from the credit report, the following data appears to be either incomplete or inconsistently reported between the three credit bureaus ( XXXX, XXXX, and XXXX ) : 1. **Account Number : ** - XXXX XXXX XXXX - XXXX : XXXX - XXXX : XXXX - **Inconsistency : ** XXXX includes a hyphen before the account number, which might be an error.

2. **Account Type - Detail : ** - XXXX : Credit Card - XXXX : Credit Card - XXXX : ( missing data ) - **Inconsistency : ** XXXX does not report the account type detail. 

3. **Date Opened : ** - XXXX XXXX XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different date ( XX/XX/XXXX ) compared to XXXX and XXXX ( XX/XX/XXXX ). 

4. **No. of Months ( terms ) : ** - XXXX : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Inconsistency : ** XXXX reports XXXX month, while XXXX and XXXX report XXXX  months. 

5. **High Credit : ** - XXXX XXXX {$6000.00} - XXXX : {$6000.00} - XXXX XXXX {$0.00} - **Inconsistency : ** XXXX reports {$0.00} for high credit, which differs from XXXX and XXXX ( {$6000.00} ). 

6. **Last Reported : ** - XXXX : XX/XX/XXXX - XXXX : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** XXXX reports a different last reported date ( XX/XX/XXXX ) compared to XXXX and XXXX ( XX/XX/XXXX ). 

7. **Comments : ** - XXXX : Charged off as bad debt - XXXX  : - Canceled by credit grantor - Account has been closed due to inactivity - Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department - XXXX : - Unpaid balance reported as a loss by the credit grantor - Charged off account - Accounts closed by credit grantor - **Inconsistency : ** The comments vary significantly across the three bureaus, with different details about the account status and actions taken.

8. **Date Last Active : ** - XXXX : XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** The dates last active differ among the bureaus ( XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/XXXX ). 

9. **Date of Last Payment : ** - XXXX : ( missing data ) - XXXX  : ( missing data ) - XXXX : XX/XX/XXXX - **Inconsistency : ** Only XXXX reports a date of last payment ( XX/XX/XXXX ), while XXXX and XXXX do not provide this information.

10. **Two-Year Payment History : ** - **Inconsistency : ** The payment histories reported differ : - **XXXX  : ** No data provided. 
- **XXXX  : ** Consistently reports " CO '' ( Charge Off ) for every month.

- **XXXX : ** Reports " OK '' for most months but shows " 120 '' ( 120 days late ) in one month and " OK '' ( current ) in other months, which is inconsistent with a charge-off status.

These inconsistencies indicate that the account information reported by the credit bureaus varies significantly and may require further investigation or correction to ensure accuracy.

Based on the provided account information for XXXX from the credit report, the following data appears to be either incomplete or inconsistently reported between the three credit bureaus ( XXXX, XXXX, and XXXX ) : 1. **Account Number : ** - XXXX : ( missing data ) - XXXX  : ( missing data ) - XXXX XXXX XXXX XXXX **Inconsistency : ** Both XXXX and XXXX are missing the account number.

2. **Account Type : ** - XXXX : ( missing data ) - XXXX  : ( missing data ) - XXXX : Open Account - **Inconsistency : ** Both XXXX and XXXX are missing the account type.

3. **Account Type - Detail : ** - XXXX : ( missing data ) - XXXX  : ( missing data ) - XXXX XXXX Collection - **Inconsistency : ** Both XXXX and XXXX are missing the account type detail. 

4. **Bureau Code : ** - XXXX  : ( missing data ) - Experian : ( missing data ) - XXXX : Individual - **Inconsistency : ** Both XXXX and XXXX are missing the bureau code. 

5. **Account Status : ** - XXXX : ( missing data ) - XXXX  : ( missing data ) - XXXX : Derogatory - **Inconsistency : ** Both XXXX and XXXX are missing the account status. 

6. **Monthly Payment : ** - XXXX : ( missing data ) - XXXX : ( missing data )- XXXX XXXX {$0.00} - **Inconsistency : ** Both XXXX and XXXX are missing the monthly payment. 

7. **Date Opened : ** - XXXX : ( missing data ) - XXXX : ( missing data )- XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Both XXXX and XXXX are missing the date opened. 

8. **Balance : ** - XXXX : ( missing data ) - XXXX : ( missing data )- XXXX XXXX {$1200.00} - **Inconsistency : ** Both XXXX and XXXX are missing the balance. 

9. **No. of Months ( terms ) : ** - XXXX : ( missing data ) - XXXX : ( missing data )- XXXX : XXXX - **Inconsistency : ** Both XXXX and XXXX are missing the number of months ( terms ). 

10. **High Credit : ** - XXXX : ( missing data ) - XXXX : ( missing data )- XXXX : {$1200.00} - **Inconsistency : ** Both XXXX and XXXX are missing the high credit. 

11. **Credit Limit : ** - XXXX : ( missing data ) - XXXX : ( missing data )- XXXX : {$0.00} - **Inconsistency : ** Both XXXX and XXXX are missing the credit limit. 

12. **Past Due : ** - XXXX : ( missing data ) - XXXX : ( missing data )- XXXX : {$1200.00} - **Inconsistency : ** Both XXXX and XXXX are missing the past due amount. 

13. **Payment Status : ** - XXXX : ( missing data ) - XXXX  : ( missing data ) - XXXX : Late 120 Days - **Inconsistency : ** Both XXXX and XXXX are missing the payment status. 

14. **Last Reported : ** - XXXX : ( missing data ) - XXXX : ( missing data )- XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Both XXXX and XXXX are missing the last reported date. 

15. **Comments : ** - XXXX : ( missing data ) - XXXX  : ( missing data ) - XXXX : - Consumer disputes after resolution - Collection account - **Inconsistency : ** Both XXXX and XXXX are missing the comments. 

16. **Date Last Active : ** - XXXX : ( missing data ) - XXXX  : ( missing data ) - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Both XXXX and XXXX are missing the date last active. 

17. **Date of Last Payment : ** - XXXX : ( missing data ) - XXXX  : ( missing data ) - XXXX XXXX XX/XX/XXXX - **Inconsistency : ** Both XXXX and XXXX are missing the date of last payment. 

18. **Two-Year Payment History : ** - XXXX : ( missing data ) - XXXX  : ( missing data ) - XXXX : - XX/XX/XXXX : OK - **Inconsistency : ** Both XXXX and XXXX are missing the two-year payment history.

These inconsistencies indicate that the account information reported by the credit bureaus varies significantly and may require further investigation or correction to ensure accuracy.

Company response to consumer: Closed with explanation