Consumer complaint received 2025-08-10 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: CA

Complaint narrative:
this is the dispute letter i have sent Experian and Transunion NOTICE OF DISPUTE UNDER THE FAIR CREDIT REPORTING ACT Dear TransUnion Consumer Dispute Center, I am writing to formally dispute inaccurate and inconsistent information appearing on my credit report maintained by TransUnion. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., Consumer Financial Protection Bureau ( CFPB ) guidance, and other applicable consumer protection laws. 

DISPUTED ACCOUNTS I am disputing the following accounts that appear inconsistently across the XXXX major credit reporting agencies, creating inaccuracies and incompleteness in my credit profile : Account XXXX : Creditor : XXXX Account Number : XXXX Date First Reported : XX/XX/year> Current Status on TransUnion : Present Status on Other Bureaus : Present on Experian but NOT on XXXX  Account XXXX : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Date First Reported : XX/XX/year> Current Status on TransUnion : Present ( Closed/Charged Off ) Status on Other Bureaus : [ Please specify which bureaus show this account and which one doesn't ] LEGAL BASIS FOR DISPUTE Violation of FCRA Section 1681e ( b ) - Maximum Possible Accuracy Requirement The Fair Credit Reporting Act mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681e ( b ). The inconsistent reporting of these accounts across the XXXX major credit bureaus demonstrates a clear failure to maintain the required standard of accuracy. 

When identical accounts appear on XXXX credit bureaus but are absent from the third, this inconsistency indicates that either : XXXX. 
The information is inaccurately reported on XXXX bureaus, or XXXX. 
The information is inaccurately omitted from XXXX bureau In either case, the lack of uniformity across reporting agencies violates the fundamental accuracy requirements of the FCRA and creates an incomplete and potentially misleading credit profile. 

Violation of FCRA Section 1681i - Reinvestigation Requirements Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon notification of a dispute, TransUnion is legally obligated to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. The agency must record the current status of the disputed information or delete the item from my file within XXXX ( XXXX ) days of receiving this notice. 

The inconsistent reporting of these accounts across credit bureaus provides reasonable grounds to question their accuracy and completeness. TransUnion must investigate not only the accuracy of the information itself but also why there is a discrepancy in reporting across the major credit bureaus. 

CFPB Guidance on Credit Reporting Accuracy The Consumer Financial Protection Bureau has consistently emphasized that consumer reporting companies have obligations to ensure accuracy in consumer reports. The CFPB has stated that " inaccurate, incomplete, or unverifiable information must be removed or corrected '' and that companies must " delete disputed unverified information from consumer reports. '' The inconsistent reporting of these accounts across bureaus suggests that the information can not be properly verified in its current form, as verified accurate information should appear consistently across all major reporting agencies. 

Incompleteness Constitutes Inaccuracy The absence of accounts on XXXX credit bureau while they appear on others renders my overall credit profile incomplete. Under the FCRA, incomplete information is treated with the same seriousness as inaccurate information, as both can negatively impact a consumer 's creditworthiness and ability to obtain credit, housing, or employment. 

Additional Considerations for XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX account ( XXXX ) is reported as a closed/charged-off account. Given that this account was first reported on XX/XX/year>, it has been over XXXX years since the initial reporting date. Under FCRA guidelines, most negative information should be removed after XXXX years from the date of first delinquency. The inconsistent reporting of this charged-off account across bureaus raises serious questions about its accuracy and whether it should remain on any credit report at this time. 

REQUESTED ACTIONS Based on the legal violations outlined above, I formally request that TransUnion take the following actions within XXXX ( XXXX ) days of receipt of this letter : XXXX. 
Conduct Reasonable Reinvestigation : Perform a thorough investigation of the disputed accounts, including verification with the original creditors and examination of why these accounts appear inconsistently across credit bureaus. 

XXXX. 
Correct or Delete Inaccurate Information : If the accounts are determined to be inaccurate, incomplete, or unverifiable, they must be permanently deleted from my credit file. 

XXXX. 
Ensure Consistency : Work with the other major credit bureaus to ensure that accurate information is reported consistently across all three agencies, or that inaccurate information is removed from all agencies. 

XXXX. 
Remove Aged Negative Information : For the XXXX XXXX XXXX XXXX charged-off account, verify whether this negative information should still be reported given its age and the seven-year reporting limitation under the FCRA. 

XXXX. 
Provide Written Confirmation : Furnish written confirmation of all actions taken, including a copy of my updated credit report reflecting any changes made. 

XXXX. 
Notify Previous Recipients : As required by 15 U.S.C. 1681i ( d ), notify all persons who received my credit report for employment purposes within the past XXXX years and all others who received my report within the past XXXX months of any deletions or corrections made. 

DOCUMENTATION AND EVIDENCE Enclosed with this letter, please find : Copy of government-issued identification Proof of current address Copy of Social Security card ( if required ) [ Any additional supporting documentation ] LEGAL NOTICE Please be advised that this dispute is made in good faith and is based on legitimate concerns about the accuracy and consistency of my credit information. Any failure to properly investigate this dispute or to take appropriate corrective action may result in violations of federal law, including but not limited to : Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) Consumer Financial Protection Bureau regulations State consumer protection laws I reserve all rights under federal and state law to pursue appropriate legal remedies if this matter is not resolved satisfactorily. 

RESPONSE REQUIRED I expect a complete response to this dispute within XXXX ( XXXX ) days as required by law. Please provide : XXXX. 
Written confirmation of your investigation XXXX. 
Results of your reinvestigation XXXX. 
Updated credit report if changes are made XXXX. 
Explanation of procedures used to verify the disputed information Thank you for your prompt attention to this matter. I look forward to your timely response and resolution of these inaccuracies. 

Sincerely, [ Your Signature ] [ Your Printed Name ] Enclosures : Copy of ID Proof of address [ Other supporting documents ] Method of Delivery : Certified Mail, Return Receipt Requested Date Sent : [ Date ] Tracking Number : [ If applicable ] ADDITIONAL LEGAL CONSIDERATIONS Fair Debt Collection Practices Act ( FDCPA ) Implications XXXX  XXXX XXXX XXXX XXXX charged-off account may involve debt collection activities. The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) requires debt collectors to follow specific procedures before reporting debts to credit reporting agencies. Any failure to comply with FDCPA requirements could render the reported information inaccurate or improperly obtained. 

State Consumer Protection Laws This dispute is also made pursuant to applicable state consumer protection laws, which may provide additional remedies and protections beyond those available under federal law. Many states have enacted their own credit reporting statutes that impose additional obligations on credit reporting agencies. 

Damages and Remedies The FCRA provides for actual damages, statutory damages, punitive damages, and attorney 's fees for willful or negligent violations. The inconsistent reporting of these accounts has caused and continues to cause harm to my creditworthiness and financial reputation. Any failure to properly investigate and correct these inaccuracies XXXX result in additional damages. 

INSTRUCTIONS FOR COMPLETING THIS LETTER Before sending this letter, please : XXXX. 
Fill in all remaining bracketed placeholders [ ] with your specific information XXXX. 
Clarify which bureaus show the XXXX XXXX account and which one doesn't XXXX. 
Gather required documentation : Government-issued photo ID ( driver 's license, passport, etc. ) Proof of current address ( utility bill, bank statement, etc. ) Copy of Social Security card ( if requested ) Copies of credit reports from all three bureaus showing the inconsistencies XXXX. 
Send via certified mail with return receipt requested to create a XXXX XXXX XXXX. 
Keep copies of everything for your records XXXX. 
Track the XXXX response deadline from the date TransUnion receives your letter FOLLOW-UP ACTIONS If TransUnion fails to respond within XXXX XXXX or provides an inadequate response : XXXX. 
File a complaint with the CFPB at consumerfinance.gov XXXX. 
File a complaint with your state attorney general 's office XXXX. 
Consider consulting with a consumer protection attorney XXXX. 
Document all communications and keep detailed records IMPORTANT NOTES This letter template is designed to be comprehensive and legally sound The legal arguments are based on established FCRA requirements and CFPB guidance The inconsistency argument is particularly strong when accounts appear on XXXX of XXXX bureaus Always send dispute letters via certified mail to ensure delivery confirmation Keep detailed records of all correspondence and responses The XXXX XXXX charged-off account may be eligible for removal due to age ( over 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