Consumer complaint received 2025-12-03 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX RE : FORMAL DISPUTE FCRA VIOLATIONS, 15 USC 1666 ( b ), INACCURATE REPORTING, REQUEST FOR DELETION & CORRECTION To Whom It May Concern : I am formally disputing multiple inaccurate and unlawfully reported items on my consumer reports. These inaccuracies are causing harm, financial loss, and misrepresentation of my credit profile. Under the Fair Credit Reporting Act ( FCRA ) and 15 USC 1666 ( b ) Billing Error Resolution Act, you are required to conduct a reasonable investigation and correct or delete items that can not be fully verified.

You are to treat this letter as : A direct dispute ( FCRA 1681s-2 ( a ) ( 8 ) ) A request for investigation ( FCRA 1681i ) A notice of reporting inaccuracies A demand to correct, delete, or block unverifiable items XXXX XXXX INACCURATE LATE PAYMENTS Account : XXXX XXXX XXXX XXXX ( Installment ) Bureaus Reporting Inconsistently Your records show late payments that are incorrect, inconsistent, and conflict with data furnished by XXXX, violating : FCRA 1681e ( b ) duty to assure maximum accuracy FCRA 1681i duty to reinvestigate inaccurate data 15 USC 1666 ( b ) reporting of billing errors & misapplied payments FCRA 602 ( A ) consumer has the right to fair & accurate reporting FACTS : XXXX XXXX shows current/ paid on time on some bureaus Others show 306090 day late marks, which contradict the same account XXXX comments indicate dispute resolved; reported by grantor which confirms acknowledgment of error Under 15 USC 1666b , a creditor must credit payments promptly and accurately If timing of payments was misapplied or inaccurately processed, ANY late mark is invalid REQUEST : Remove ALL late payments from XXXX XXXX Update to Paid On Time / Current No Late Payments on all bureaus Provide written confirmation of correction If this can not be fully verified with timestamped payment history ( NOT a generic automated verification ), the law requires deletion. 



XXXX XXXX XXXX INCORRECT, UNVERIFIABLE, AND DIFFERENT ACROSS BUREAUS Account # ending XXXX This account is reporting different data across TransUnion, Experian, and Equifax, including : Different status codes Different high credit and balance Different payment history Different date last active Different charge-off details This violates : FCRA 1681e ( b ) You must maintain maximum possible accuracy not contradictions.

FCRA 1681-2 ( a ) A furnisher must report data consistently and accurately to ALL bureaus.

FCRA 1681i ( a ) ( 1 ) ( A ) If ANY part of the account can not be verified with complete consistency, it must be deleted.

FCRA 609 ( a ) ( 1 ) I am entitled to the full method of verification not automated e-OSCAR responses.

FCRA 611 Upon dispute, unverifiable or inconsistent data must be corrected or removed within 30 days.

ADDITIONAL ISSUE : The account lists $ XXXX  monthly payment/ {$0.00} credit limit, but also lists a balance and past due amount. This is structurally impossible for the account type and is considered an inaccurate data furnishing violation.

REQUEST : Delete the XXXX XXXX  XXXX account in full from ALL bureaus Provide the full Method of Verification including name, phone number, and documentation used to verify the account Cease reporting of any unverifiable, inaccurate, or inconsistent data LEGAL NOTICE If the inaccuracies listed above are not corrected or deleted within the time required by law, I will proceed with : CFPB complaint State Attorney General complaint Legal action for willful noncompliance under FCRA 1681n & 1681o ( {$1000.00} per violation + punitive damages ) I expect full compliance within 30 days as required by law.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX Date :

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