Consumer complaint received 2025-05-17 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Re : Formal Dispute of Inaccurate and Inconsistent Credit Reporting To Whom It May Concern, I am writing to formally dispute inaccurate and materially inconsistent information currently reported on my credit reports with all three major credit reporting agencies regarding the following account : Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX 
Debt Collector : XXXX XXXX XXXX  Account Number : XXXX Summary of Discrepancies and Errors : XXXX. Inconsistent Last Activity Date Reporting : TransUnion reports the last activity date as XX/XX/XXXX. 
Equifax reports the last activity date as XX/XX/XXXX. 
Experian reports the last activity date as XX/XX/XXXX. 
These differing dates are materially inconsistent and can not all be correct.

2. Contradictory Account Status : Equifax reports 100 % on-time payments with the account open. 
Experian and TransUnion report the account as charged off/collection. 
This is a direct contradiction between the credit bureaus.

3. Inconsistent Account Status Reporting : TransUnion and Equifax show the account as open. 
Experian shows the account as charged off. 
This violates the requirement for consistent reporting across bureaus.

4. Missing or Blank Key Account Information : Monthly payment amount, loan term, and source type fields are blank or missing across all three bureaus, providing no clear context for the obligation.

5. Conflicting Payment History : Equifax claims a perfect payment history.

Experian and TransUnion either report a derogatory payment history or have no payment history listed. 

Impact on My Life These errors have adversely affected my ability to obtain credit, secure housing, and have caused significant financial stress and hardship. These are not trivial mistakes but serious reporting failures that violate my rights. 

Legal Violations The inaccuracies and inconsistencies violate the following provisions of the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) : Requires all furnished information to be accurate and complete.

Section 611 : Requires that disputed information be investigated and either verified or promptly deleted.

Section 609 ( a ) ( 1 ) : Grants me the right to request all information in my file and its sources. 
Formal Requests In accordance with my rights under the FCRA, I am requesting the following : A full investigation into the accuracy and consistency of this account across all three credit reporting agencies.

A complete Method of Verification, including : The name and contact information of the furnisher who verified this account. 

All documentation used in verifying the debt, such as original agreements, application records, IP logs, or phone call recordings. 

A written confirmation that a reasonable and thorough investigation has been conducted. 

An explicit explanation addressing how these materially conflicting and inaccurate data points appeared on my credit reports in the first place, rather than simply verifying the account as accurate by default.

Immediate deletion of this account if it can not be verified with consistent, accurate, and documented evidence. 
A copy of my updated credit report reflecting the corrections or deletions made as a result of your investigation. 

A summary page or checklist outlining the findings of your investigation and any changes made, to facilitate easier review.

Additional Information 1. Please consider this letter a formal record of dispute. Submitted through the Consumer Financial Protection Bureau ( CFPB ) for regulatory oversight.

Failure to properly investigate or respond within the legally required timeframe, or failure to delete unverifiable or erroneous data, may result in further legal action and escalation to federal regulatory authorities as permitted by the FCRA.

2. Method of Verification ( M.O.V. ) Request : If this account is verified as accurate and is to remain on my credit reports, I am requesting a complete Method of Verification as part of this dispute. This includes the name and contact information of the furnisher who verified the account and all documentation used to confirm its validity ( such as original agreements, application records, IP logs, or phone call recordings ). Please note, I am making this request within this dispute letter to avoid sending a separate M.O.V. request later. Should the account not be deleted and is verified as truthful, I expect this full verification to be provided as part of your response. 

Enclosures Copy of government-issued ID & A Copy Of My Social Security Card Proof of address ( Bank Statement ) Please respond in writing within 30 days as required by the FCRA. 

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