Consumer complaint received 2025-05-23 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 XXXX : XX/XX/XXXX SSN ( last four ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion/Experian Subject : Formal Dispute of XXXX XXXX XXXX Account Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX ( Account Reference Number : XXXXXXXX XXXX XXXX XXXX XXXX ) Dispute Under FCRA 1681e ( b ), 1681i, and 1681s-2 Dear TransUnion and Experian, I am writing to formally dispute the inaccurate and incomplete information being reported on my credit file concerning an account from XXXX XXXX XXXX, associated with the original creditor XXXX XXXX XXXX XXXX. This account is reported with multiple material inconsistencies between your respective bureaus, which violate my rights under the Fair Credit Reporting Act ( FCRA ) and compromise the integrity of my consumer report. 

Below are the specific issues I demand be investigated and resolved : 1. Inconsistent Account Opening Dates TransUnion reports : XX/XX/XXXX Experian reports : XX/XX/XXXX This discrepancy in reported opening dates violates FCRA 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. Conflicting foundational data is clear evidence of unreliable furnishing. 

2. Omission of " Number of Months ( Terms ) '' This field is left blank by both TransUnion and Experian. 
As this is critical contractual information, its omission renders the account unverifiable and fails to meet the requirements of completeness and accuracy outlined in 1681i ( a ).

3. Missing Credit Limit No credit limit is listed by either bureau.

A credit or collection account missing this fundamental data is deficient in substance and does not allow for a fair interpretation of the account 's severity or impact. This omission further supports deletion under FCRA 1681e ( b ) and 1681i.

4. Missing Past Due Amounts Both bureaus fail to report any past due amounts.

A collection or delinquent account lacking this detail is misleading, suggesting it may not be delinquent at all. This constitutes incomplete and inaccurate reporting under 1681s-2 ( a ) ( 1 ) ( A ). 

5. Inconsistent and Misleading Comments TransUnion comments : Placed for Collection Experian : No comment listed The presence of conflicting comment data between credit bureaus creates an inconsistent narrative of account status, in direct conflict with the duty to report data uniformly and clearly under 1681e ( b ).

6. Date Last Active Conflict TransUnion reports : XX/XX/XXXX Experian reports : XX/XX/XXXX This is clear grounds for deletion or a full-scale reinvestigation. 

DEMAND FOR ACTION Pursuant to the rights granted to me under FCRA 1681i, I demand that you : Delete this account entirely from my credit file if it can not be verified as 100 % accurate and complete in every respect. 

Do not simply verify or update the accountI am specifically demanding that the listed discrepancies be individually addressed, not generically corrected or verified without documentation. 

Should you choose to verify the account, I am formally invoking my right to a Method of Verification ( MOV ) under 1681i ( a ) ( 6 ) ( B ) ( iii ), which includes : -The name and contact information of the data furnisher ; -A detailed explanation of the reinvestigation procedures used ; -Copies of all original documents used to support and verify the accuracy of the reportingsuch as signed contracts, billing records, and payment history. 

NOTICE OF NONCOMPLIANCE Please be aware that any failure to delete or fully correct the above-referenced account within 30 days of this dispute will be interpreted as willful noncompliance with the FCRA, triggering my right to : File a complaint with the Consumer Financial Protection Bureau XXXX CFPB ) ; File a complaint with the New York State Attorney Generals Office ; Seek legal remedies under FCRA 1681n for willful noncompliance and 1681o for negligent noncompliance, including statutory, actual, and punitive damages. 
Please provide a written response within 30 days, outlining the actions taken and enclosing the necessary documentation. 

Thank you for your immediate attention to this matter. 

Attached Is My State Id ( Verification ) Bank Statement ( proof of address ) XXXXXXXX XXXX Inconsistencies Highlighted Sincerely, 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