Consumer complaint received 2025-04-18 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: NJ

Complaint narrative:
Consumer : XXXX XXXX Account in Dispute : XXXX XXXX XXXX  XXXX Account # XXXX Report Date : XX/XX/XXXX Reporting Agencies : TransUnion, Equifax, Experian Formal Dispute & Demand for Deletion To Whom It May Concern, I am submitting this formal dispute concerning a XXXXXXXX XXXX XXXX XXXX account ( # XXXX ) appearing on my credit report. This account is currently reported as a charge-off across all three credit bureaus. Upon careful examination, I have identified multiple material inaccuracies, reporting inconsistencies, and missing/verifiable information in violation of the Fair Credit Reporting Act ( FCRA ). 
I am invoking my right under FCRA 611 to dispute this account and request its immediate deletion if the following discrepancies can not be corrected with tangible documentation and a complete method of verification.

Summary of Reporting Issues & Violations 1. Inconsistent Last Activity Dates TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX This discrepancy conflicts with FCRA XXXX ( a ) ( XXXX ), which mandates accurate and consistent reporting of the Date of First Delinquency. 

XXXX. Discrepancies in Late Payments TransUnion : No late payments reported Equifax : XXXX Experian : XXXX Conflicting late payment records across all three bureaus call the entire accounts accuracy into question and violate FCRA XXXX ( a ) ( XXXX ) ( A ). 
3. Mismatch in Months Reviewed TransUnion : 0 Equifax : 0 Experian : 84 A valid account can not reflect 84 months of payment history on one report and 0 on the others. This suggests poor data handling and non-compliance with FCRA 607 ( b ).

4. Missing Term Source All three bureaus list the Term Source field as blank, providing no detail on the structure of the account. The absence of this key data further supports that the account is incomplete and unreliable as currently reported.

5. Inconsistent High Balance Only one bureau reports a high balance of {$1200.00}, while the other two omit the high balance entirely. A high balance that exceeds the original credit limit, combined with omissions from the other reports, is highly suspect and misrepresents utilization history.

6. Three Different Remarks Each bureau reports a different remark or comment associated with the tradeline. Uniformity is a legal requirement when reporting the same account. The presence of three conflicting remarks is not only inaccurate, but misleading and non-compliant under the FCRA.

7. Monthly Payment Reported as {$0.00} All three bureaus show a {$0.00} monthly payment despite this being a revolving credit account with charge-off status. This is incorrect and contributes to a false portrayal of the accounts repayment structure.

8. Amount Past Due Is Missing None of the three reports show an Amount Past Due, even though the account is listed as charged off. This either means the account is no longer collectible or that past-due data is being improperly withheld either way, this is grounds for deletion.

9. Payment History Conflicts TransUnion : No payment history Equifax : 85 % on-time Experian : 75 % on-time Three separate payment profiles for one account is clear evidence that this tradeline can not be verified with consistency or reliability.

What I Am Requesting Per FCRA 611 and 609 ( a ) ( 1 ), I demand the following : A full Method of Verification ( MOV ) under 611 ( a ) ( 7 ) A copy of the original signed contract/application for this account Full payment history with specific late dates and dates of charge-off A full explanation of the discrepancy in late payments and reporting periods Tangible documentation showing the Date of First Delinquency The name, title, and company of the individual ( s ) who verified this account at each bureau Failure to Resolve If the above information can not be verified, corrected, or documented with tangible evidence, then under FCRA 611 ( a ) ( 5 ) this account must be deleted in full from TransUnion, Equifax, and Experian .

Furthermore, failure to address this dispute may result in : Escalation to the FTC A formal complaint to my state Attorney Generals office Consideration of legal action under FCRA 616 and 617 for willful or negligent noncompliance Fair Resolution Requested I am requesting a permanent deletion of this tradeline from all three credit bureaus due to unverifiable and misleading reporting. If XXXX XXXX can not provide complete proof of accuracy, the account must be removed in full. 

Respectfully, XXXX 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