Consumer complaint received 2025-05-17 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 Email : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX, XXXX, XXXX  XXXX Equifax XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Subject : Formal Dispute for Inaccurate, Inconsistent, and Duplicative Credit Reporting Request for Method of Verification Account Number : XXXX Original Creditor : XXXX XXXX  Current Debt Owner : XXXX XXXX XXXX To Whom It May Concern, I am writing to dispute the accuracy, completeness, and consistency of the above-referenced account appearing on my credit reports from all three major credit bureaus. This dispute is made under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ] and is based on substantial and clear inconsistencies between how this account is being reported by TransUnion, Equifax, and Experian. 

The reported last activity dates differ significantly. TransUnion lists XX/XX/XXXX, Equifax shows XX/XX/XXXX, and Experian reports XX/XX/XXXX. A single account can not have multiple dates of last activity, which clearly violates FCRA 607 ( b ), requiring information to be reported with maximum possible accuracy. 

The term source type is listed as blank on TransUnion, while Equifax and Experian both show it as provided. This inconsistency reflects improper or incomplete data handling. 

The account status is labeled as open with TransUnion and Equifax but closed with Experian, another direct contradiction affecting the interpretation of the account. 

The most recent adverse rating is marked as collection/charge-off with TransUnion and Experian, yet Equifax reports no data available. This is materially misleading and non-uniform. 

Comments also vary across reports. TransUnion states account information disputed by consumer, Equifax shows no comment at all, and Experian includes a negative notation stating account seriously past due/account assigned to attorney, collection agency, or internal collection department. These discrepancies misrepresent the same account in different ways to lenders and other viewers. 

The reported payment history differs materially. TransUnion shows no history available, Equifax claims 76 % on-time payments, and Experian reports only 6 % on-time. It is impossible for the same account to simultaneously reflect three vastly different histories. 

Most concerning, my credit report reflects another account with the exact same account number ( XXXX ) but with a different original creditor and a different balance, both listed under XXXX XXXX XXXX. This is a clear example of duplicate reporting using the same unique account identifier, which is deceptive, misleading, and harmful. 

This constitutes a violation of FCRA 607 ( b ) and could be seen as an attempt to inflate the negative impact of this debt on my credit file. 

Given the above, I am demanding the following under FCRA 611 ( a ) ( 7 ) : A complete Method of Verification ( MOV ), including : a. The name, address, and contact of the furnisher of this information. 
b. The exact systems, documentation, and data sources used to verify this account. 
c. A written description of your reinvestigation procedures, as required under federal law. 
If you verify the account as accurate, you are required to provide this MOV within 15 days of completing your reinvestigation under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). If the information can not be verified, it must be corrected or permanently deleted from my credit file pursuant to F

CRA 611 ( a ) ( 5 ) ( A ). Furthermore, maintaining inconsistent and duplicate entries on my credit file may constitute willful or negligent noncompliance under FCRA 616 and 617 [ 15 U.S.C. 1681n and 1681o ]. I am fully prepared to escalate this matter by The Office of the New York State Attorney General if this is not resolved promptly. 

This dispute is being submitted via certified mail and I expect a formal written response within 30 days, as required by law. 

Attached is a copy of my state identification for verification purposes, Bank statement for proof of address, both reports showing proof of duplicate reporting and inconsistencies. 

Sincerely, 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