Consumer complaint received 2025-08-01 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Phone : XXXX Email XXXX XXXXXXXX SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX To Whom It May Concern : This letter serves as a formal dispute of the XXXX XXXX account appearing on my credit report. After thoroughly reviewing both the Experian and XXXX  reports, and being unable to view this account on XXXX entirely, I have found multiple violations under the Fair Credit Reporting Act ( FCRA ), as well as conflicting account data that renders the tradeline inaccurate, incomplete, and misleading. 

Here are the most pressing issues : XXXX. Inconsistent Reporting of Delinquency In XX/XX/XXXX, Experian lists a XXXX delinquency, while XXXX  lists XXXX XXXX. XXXX tradeline can not carry XXXX different delinquency states at the same time. This is a clear violation of FCRA 1681e ( b ). 

XXXX. Conflicting Payment Histories Experian reports XXXX  months of negative payment history, while XXXX  reports XXXX  months reviewed. Both show the same open and close dates, making this discrepancy impossible unless XXXX bureau is misreporting. 

XXXX. Missing Tradeline on XXXX  XXXX  does not display this account in my consumer report. Per FCRA 609, I am entitled to full visibility of any data in my file. Their omission is either suppression or mishandling. 

XXXX. Charge-Off Date Discrepancy Experian lists the status as updated in XX/XX/XXXX but shows charge-offs extending well before and after this date. Equifax references a charge-off but omits the month the status was formally changed. 

XXXX. Interest Accrual After Charge-Off The Experian report reflects a past due amount of {$10000.00} despite a {$9900.00} charge-off. This implies nearly {$800.00} in post-charge-off interest or penaltiessomething not legally enforceable unless supported by the original agreement and state law. 

XXXX. Missing Last Payment Date XXXX  omits the date of last payment entirely. Experian lists it as XX/XX/XXXX. This is a required data field for determining account validity and aging. 

XXXX. Account Number Format Mismatch Each bureau formats the account number differently. XXXX bureau lists the account ending in XXXX, the other as XXXX. This inconsistency further undermines verification. 

XXXX. Use of XXXX XXXX I am concerned this dispute may be routed through XXXX, a system known for template responses and failure to address factual discrepancies. Under FCRA 611 ( a ), I demand a manual reinvestigation. 

XXXX. Case Log and Audit Trail Request I am requesting a full copy of the internal investigation log or case history used to verify this tradeline. Per FCRA 611 ( a ) ( XXXX ) ( B ) ( XXXX ), I am entitled to a description of the procedure used to determine the accuracy and completeness. 

Given the volume of violations and data inaccuracies, I am demanding the immediate deletion of this account from all consumer reporting agencies. Failure to correct this within XXXX  days will result in formal complaints with the CFPB, FTC, state regulators, and potential legal action under FCRA 616 and 617. 

Sincerely, XXXX XXXX XXXX. Method of Verification ( XXXX  ) Demand Under FCRA 611 ( a ) ( XXXX ) ( B ) ( XXXX ), I am demanding the method of verification used by the bureaus and the furnisher to validate this account. This includes specific details on how the data was confirmed, what documents were reviewed, and whether human review occurred. Vague responses like verified as accurate are not legally sufficient. 

XXXX. Burden of Proof on the Furnisher As established in multiple legal precedents and clarified by FCRA, the burden of proof to validate the accuracy of reported data lies with the furnisher. If XXXX can not provide my signed contract, complete payment history, interest calculations, and original delinquency notices, they are in violation of the law. 

XXXX. Misrepresentation of Charge-Off Status Any interest or fees added post-charge-off must be clearly supported by the original loan agreement and state usury laws. If not, it constitutes unlawful enrichment and deceptive reporting. I am requesting a full breakdown of all amounts added to the balance after the reported {$9900.00} charge-off. 

XXXX. Failure to Provide XXXX  on Prior Dispute Attempts Any prior dispute that resulted in a templated response without XXXX  is in direct violation of FCRA 611 and grounds for deletion. 

This letter serves as my official XXXX  request. You are required to respond with specific documentation, not generalities, within the same XXXX dispute window. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX has a documented history of regulatory scrutiny, enforcement actions, and consumer complaints tied to loan servicing practices and aggressive reporting. The continued reporting of inaccurate and conflicting tradeline data adds further evidence that XXXX either can not or will not comply with fair credit reporting obligations. 

XXXX. Pattern of Abuse and Negligence It is not just that this account is inaccurate ; it is that the errors are egregious and sustained across years, despite multiple agencies reporting contradictory data. This is a pattern, not a mistake. I am requesting immediate deletion based on willful noncompliance and data corruption. 

XXXX. Legal Demand for Deletion At this point, the record is not eligible for correction it is fatally flawed. The FCRA requires maximum possible accuracy, and this tradeline has failed that bar in every measurable way : dates, amounts, charge-off logic, XXXX, bureau-to-bureau consistency, and suppressed access. The only legally and ethically appropriate action is full deletion. 

If this account is not deleted in full from all credit bureaus within the required timeframe, I will move forward with legal action under FCRA 616 and 617, citing negligent and willful noncompliance, and submit complaints to the Consumer Financial Protection Bureau, the FTC, and the XXXX XXXX XXXX XXXX 

This is your opportunity to correct what is clearly a multi-year, multi-bureau failure. Remove the XXXX tradeline immediately.

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