Consumer complaint received 2025-06-29 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 XXXXXXXX XXXX XXXX, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Date : XXXX To : Transunion/Equifax/Experian Subject XXXX Formal Dispute of Inaccurate XXXXredit Reporting Municipal Credit Union I am formally disputing the reporting of the following account appearing on my credit reports with TransUnion, Equifax, and Experian XXXX This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), particularly 611 ( 15 U.S.C. 1681i ), which gives me the right to challenge inaccurate, incomplete, or unverifiable information and request a full Method of Verification ( MOV ) under 611 ( a ) ( 6 ) ( B ) ( iii ).

Account Information : Creditor Name : XXXX XXXX XXXX Account Number ( Last XXXX Digits ) : XXXX Basis for Dispute : There are numerous reporting inconsistencies across the three credit reporting agencies regarding this account. These contradictions can not exist on a legally verifiable credit file if the data being reported is accurate and compliant with FCRA standards. The inconsistencies are outlined below : XXXX. Date of Last Activity TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX XXXX. Account Status / Remarks TransUnion : Closed Equifax : Closed or paid account/zero balance Experian : Account in good standing ( suggests open/active ) XXXX. Delinquencies ( XX/XX/XXXX Days Late ) TransUnion : XXXX Equifax : XXXX Experian : XXXX XXXX. Months Reviewed TransUnion : XXXX XXXX Equifax : XXXX XXXX Experian : 2XXXX XXXX XXXX. Payment History TransUnion : XXXX XXXX  on-time payments Equifax : XXXX XXXX on-time payments Experian : XXXX XXXX on-time payments My Demands : In accordance with the Fair Credit Reporting Act, I am exercising my right to request : A full reinvestigation of this account with Municipal Credit Union. 

A complete Method of Verification ( MOV ) if this account is verified as accurate.

Immediate correction or permanent deletion of any and all unverifiable, inaccurate, or inconsistent data. 
These discrepancies are clear violations of FCRA 607 ( b ), which mandates consumer reporting agencies must ensure maximum possible accuracy. Inaccurate reporting of delinquencies and statuses misrepresents my creditworthiness and damages my financial standing. 

Important Note on Submission : This dispute is filed through CFPB.gov, which holds equal legal authority as a dispute submitted via certified mail. As a platform backed by the Consumer Financial Protection Bureau, its use is governed and protected under FCRA. Disputes submitted digitally are to be treated with equal seriousness, diligence, and legal responsibility. Noncompliance may result in enforcement action.

Enclosed Documents : State-Issued ID ( Proof of Identity ) W-2 Form ( Proof of Employment and Address ) Highlighted Credit Reports ( Documenting all inconsistencies ) I expect a thorough investigation and a written response within XXXX XXXX as required by federal law. If the information can not be properly verified, it must be removed from all credit reports. I reserve the right to file complaints with the CFPB and take legal action under the FCRA if this issue is not resolved. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX 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