Consumer complaint received 2025-05-05 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 SSN ( Last XXXX ) : XXXX XXXX : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion/Equifax/Experian Account XXXX : XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, Re : Formal Dispute Request for Manual Reinvestigation under the FCRA Account Name : XXXX I am writing to formally dispute and request a manual reinvestigation of the account listed above that is appearing on my credit report. This communication is made in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S. Code 1681i ). I have reviewed this account across all three major credit bureaus TransUnion, Experian, and Equifaxand found numerous material inconsistencies, data discrepancies, and violations of FCRA data accuracy standards that call the legitimacy and accuracy of the account into question. Below are specific and verifiable examples of inconsistent and inaccurate reporting : Detailed Inconsistencies : Account Type - Detail : TransUnion : XXXX Experian : Unknown Credit extension, review, or Equifax : Collection Date Opened : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX This contradicts FCRA 1681e ( b ), which requires maximum possible accuracy. An account can not have two different opening dates. 

Payment Status : TransUnion : Collection/Charge-Off Experian : Collection/Charge-Off Equifax : 120 Days Late This is a material reporting discrepancy in derogatory status, which violates FCRA accuracy standards. 

Comments Section : TransUnion : Collection Account Placed for collection Experian : Seriously past due/account assigned to collection agency or attorney Equifax : XXXX account XXXX XXXX Again, conflicting narratives about account status and handling. 

Date of Last Activity : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Date of Last Payment : TransUnion & Experian : Not reported Equifax : XX/XX/XXXX Two-Year Payment History : Experian reports CO for all those months Equifax shows OK for XXXX and XX/XX/XXXX, but blank in XX/XX/XXXX and XX/XX/XXXX TransUnion reports all months as blank What I Am Requesting. 1 A complete manual reinvestigation of this account, per my rights under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

. 2 Avoidance of an e-OSCAR template-based response, which fails to address specific data discrepancies raised. 

.. 3 A request for Method of Verification ( MOV ) under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Provide the name, mailing address, and telephone number of any furnisher of information contacted in connection with the reinvestigation.

. 4 A request for copies of any and all documents used to verify the accuracy of this account and informationincluding signed contracts, billing history, account statements, or collection notices if available and legally permissible.

. 5 If you are unable to verify the accuracy of the information as required by FCRA 1681i ( a ) ( 5 ), you are required to delete or permanently suppress the account.

. 6 If you elect not to delete this account, I request a written explanation of how this accountwith numerous, provable inconsistencieswas verified and allowed to be reported with such data conflicts across all three bureaus. 

Attached Is A Copy Of My Government Issued State Identification & My Bank Statement For Verification Purposes Along With The Highlights Of The Inconsistencies From All 3 Credit Bureaus. 

I am requesting a detailed, non-generic response that directly addresses the current reporting inconsistencies I have identified across the credit bureaus. A blanket verified as accurate reply without specific findings or documentation will be considered noncompliant with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), and I will escalate accordingly if not properly addressed. 

Important Note : If there are any other open, pending, or prior disputes related to this specific XXXX account ( Account # XXXX ), I formally request that those be disregarded, canceled, or superseded by this current dispute. This letter serves as my most recent, comprehensive, and intentional dispute regarding this account. I request that all focus be placed on the concerns and demands stated herein, and that this submission be treated as the primary active dispute on record for this item. 

Please mail your written results and any related documentation to the address listed above. I expect your response within the required 30-day window, per the FCRA. 

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