Consumer complaint received 2025-05-03 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, NY XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX Re : Dispute of XXXX Mutual Collection Account Acct # XXXX Formal Dispute and Demand for XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo Whom It May Concern : I am formally disputing the reporting of the collection account with account number ending in XXXX, reported by XXXX XXXX XXXX for XXXX XXXX XXXX XXXX This account contains material inaccuracies and violates multiple sections of the Fair Credit Reporting Act ( XXXX  ), XXXX U.S. Code XXXX. I am demanding an immediate reinvestigation and deletion if this information can not be verified with legally sufficient documentation. This dispute addresses not only the accuracy of the account but also the clear inconsistencies reported across the credit bureaus. 

Discrepancy XXXXmary Across Bureaus : XXXX. Conflicting Account Status -TransUnion and Experian list the account as " Charge-Off '' -Equifax lists the same account as " Open '' FCRA Violation : Under FCRA XXXX ( b ), credit reporting agencies must maintain maximum possible accuracy. A charge-off account can not legally be reported as open. 

XXXX. Mismatched Last Activity Dates -TransUnion XXXX XX/XX/XXXX -Experian : XX/XX/XXXX -Equifax : XX/XX/XXXX FCRA XXXX ( c ) regulates how long negative items remain on a credit report, which is based on date of first delinquency. These conflicting dates may indicate illegal re-aging and mislead lenders about the currency of the debt. 

XXXX. XXXX Balance but Still Reporting as Derogatory -All XXXX bureaus report a {$0.00} unpaid balance, Yet Experian XXXX Unpaid Balance Reported As A Loss and all list the account as a Charge-Off or Collection FCRA XXXX ( a ) prohibits reporting accounts in a way thats misleading. Reporting a charge-off with a {$0.00} balance but no clarification of payment, settlement, or resolution is deceptive. This entry may no longer meet the definition of a valid derogatory tradeline. 

XXXX. Inconsistent or Missing Dispute Language -TransUnion XXXX Account Information Disputed By Consumer -Equifax : Consumer Disputes This Account Information -Experian : Adds loss language + dispute FCRA XXXX ( b ) requires that once a consumer disputes an account, the bureau must reflect this status accurately and uniformly. Inconsistent comments may signal failure to process the dispute properly. 

XXXX. No Payment History Available -All bureaus report : No History Is Available FCRA XXXX ( a ) ( XXXX ) entitles consumers to the full and accurate file held by each bureau. If theres no payment history or substantiation for the derogatory status, then the entry can not be validated and should be removed. 

XXXX. Missing Term Source Type Across All Bureaus The Term Source Type field is blank on TransUnion, Equifax, and Experian This omission contributes to the account being incomplete, violating FCRA XXXX ( b ), which mandates accurate and complete reporting. 

These discrepancies materially misrepresent the nature and status of this account, causing unjust harm to my creditworthiness. 

My Demands Under the FCRA : In accordance with FCRA XXXX ( a ) ( XXXX ) ( A ), I am requesting : A full reinvestigation of this account A detailed Method of Verification ( M.O.V. ), including : XXXX full itemization of the debt -All documentation used to verify the accuracy and ownership of this debt -Legal proof XXXX XXXX XXXX has the right to collect -A signed contract between myself and XXXX Mutual tying me XXXX this debt -Proof of legal notification and compliance under the FCRA and FDCPA If this information can not be produced in full, I demand this account be immediately removed from all three credit bureaus. 

Strict Instructions Regarding eXXXX  : This dispute is being made under the FCRA and requires a manual reinvestigation. I am formally requesting that you do NOT process this dispute through the XXXX system, which relies on generic, automated responses. This is a direct consumer dispute, and I require a thorough manual review as allowed and required under federal law. 

Timeline Requirements ( FCRA XXXX ) : You are legally required to : Complete your reinvestigation within XXXX calendar days of receiving this dispute Notify me of the results and provide all documentation within XXXX business days after the investigation is complete Applicable Legal References : XXXX U.S.C. XXXX ( a ) ( XXXX ) Requires deletion of unverifiable or inaccurate items XXXX U.S.C. XXXX ( b ) Requires maintaining accurate procedures to ensure maximum possible accuracy XXXX U.S.C. XXXX Requires full disclosure of the method and sources used to verify any disputed information Final Notice : If this account can not be fully verified, including the production of relevant documents, I demand its immediate and permanent deletion from my credit report. 

Failure to comply will result in formal complaints with the CFPB, FTC, and the Attorney General, and may prompt civil action under the FCRA. 

Please send all results and correspondence to the address listed above and/or here on XXXX. This dispute is being submitted in good faith, and I expect a response in full compliance with federal law. 

Attached is a copy of my Government issued XXXX XXXX & my bank statement for identification purposes. 

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