Consumer complaint received 2025-09-03 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 XXXX, NY XXXX Email : XXXX Phone : XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Inaccurate, Incomplete, and Inconsistent Reporting XXXX XXXX ( Account No. XXXX ) Dear Credit Bureau Representative, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. regarding the XXXX XXXX account referenced above. The reporting across TransUnion, Equifax, and Experian contains material inconsistencies, inaccuracies, and incompleteness that directly violate federal law and my consumer rights.

Documented Inconsistencies 1.Date of Last Activity TransUnion : XX/XX/XXXX ( this constitutes unlawful re-aging, as I have made no activity in XXXX ) Equifax : XX/XX/XXXX Experian : XX/XX/XXXX XXXX Creditor TransUnion : XXXX XXXX XXXX XXXX  XXXX 
Equifax : Blank Experian : Blank 3.Term Source Type TransUnion : Blank Equifax : Blank Experian : Provided 4.Account Status TransUnion : Open Equifax : Open Experian : Charge Off 5.Most Recent Adverse Rating TransUnion : Collection/Charge Off Equifax : No Data Available Experian : Collection/Charge Off 6.Payment History TransUnion : No history available Equifax : 100 % on-time ( contradicts open/collection ) Experian : 0 % on-time ( contradicts TU/EQ reports ) CFPB.gov Disputes Carry the Same Legal Weight as Direct Disputes Pursuant to FCRA 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ], disputes submitted through the Consumer Financial Protection Bureau ( CFPB.gov ) complaint portal must be treated with the same legal effect and obligations as disputes submitted directly to a consumer reporting agency or furnisher.

This means the credit bureaus can not lawfully downgrade, delay, or treat CFPB.gov disputes differently than direct disputes. All statutory duties under FCRA 607 ( b ), 611, and 623 apply equally, including the 30-day reinvestigation requirement and the duty to delete unverifiable or inconsistent information.

Applicable Law, Guidance, and Case Law FCRA 607 ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) : Reinvestigation must be completed within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) : Unverifiable or contradictory information must be deleted.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : If verified, the bureau must provide a Method of Verification ( M.O.V. ), including the furnishers name, address, telephone number, and records relied upon.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

FCRA 623 ( a ) ( 8 ) : CFPB.gov disputes are legally equivalent to direct disputes.

CFPB Bulletin 2013-09 : CRAs must conduct reasonable investigations and not rely solely on furnishers.

FTC Staff Opinion Letter ( Cass, 1999 ) : Unverifiable or inconsistent data must be deleted.

Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) : CRAs must conduct independent investigations.

Richardson v. Equifax, 2004 WL 862200 : Failure to meet timelines requires deletion.

Demand for Action Immediate Deletion of the LVNV Funding account across all three bureaus due to unlawful re-aging, factual impossibilities, and conflicting information.

If verified, provide a Method of Verification ( M.O.V. ) within 15 days of the verification notice, including : Furnishers name Furnishers address Furnishers telephone number Exact records relied upon in verification Deadlines 30 days : Reinvestigation must be completed with written results.

15 days : M.O.V. must be provided if verified.

Preservation of Rights If violations continue, I will escalate this matter through the CFPB, FTC, and private legal action for statutory damages under FCRA 616617. This letter serves as formal notice of my preservation of rights. 

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