Consumer complaint received 2025-05-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate and Inconsistent Reporting XXXX  Auto Loan Creditor : XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and consistency of information being reported for the above-referenced account with Bridgecrest across the three credit bureaus. Under the Fair Credit Reporting Act ( FCRA ) 611 and 607 ( b ), credit reporting agencies are required to report only accurate, complete, and consistent information.

After reviewing my credit reports, I have identified several discrepancies and inaccuracies related to this account. Below are key inconsistencies : 1. Monthly Payment TransUnion reports : {$0.00} Experian & Equifax : Missing ( " - '' ) Discrepancy : This is a closed installment loan. Either all should report {$0.00} or nothing at all. The inconsistency reflects incomplete data.

2. Account Type / Detail TransUnion : " Installment account '' Experian : " Auto Loan '' Equifax : " Installment '' Discrepancy : The classification should be uniform across all bureaus. One lists " Auto Loan, '' while the others generically say " Installment, '' which is inconsistent and may affect how this account is scored or categorized.

3. Credit Limit TransUnion & Equifax : {$0.00} Experian : Missing Discrepancy : An auto loan does not traditionally report a credit limit. Inconsistent reporting here creates confusion and may affect my debt utilization metrics. 

XXXX. Date Last Active TransUnion XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX Discrepancy : This is a major reporting conflict. " Date Last Active '' should reflect the same factual timeline across all bureaus. Experian is reporting an outdated or incorrect date. 

XXXX. Comments TransUnion : Repossession ; redeemed Experian : [ No comment listed ] Equifax : REDEEMED REPOSSESSION Discrepancy : Experian is omitting essential status details entirely, while the other two use slightly different phrasing. This lack of consistency can lead to misinterpretation by lenders.

Under FCRA 607 ( b ), the credit bureaus must follow reasonable procedures to assure maximum possible accuracy. The current reporting fails to meet that standard.

6. 2 Year Payment History The 2-year payment history for this account is inconsistent and inaccurate : TransUnion : Payment history is completely blank. 
Experian XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, then XXXX late for XXXX consecutive months ( XXXX XXXX ), which is illogical and likely erroneous. It also shows XXXX in XX/XX/XXXX, then jumps to XXXX late in XX/XX/XXXX, which contradicts standard reporting timelines. 
Equifax : Matches Experian until XX/XX/XXXX, then shows RF ( repossession ) from XX/XX/XXXX to XX/XX/XXXX, and goes blank in XX/XX/XXXX. 
These conflicting entries across the bureaus violate FCRA 607 ( b ), which requires maximum possible accuracy. If the data can not be verified as both accurate and consistent, I request deletion or correction of the entire tradeline.

7. Balance Please verify the exact deficiency amount reported as the balance owed. I request documentation showing how this balance was calculated, including the sale price of the repossessed vehicle and any remaining debt. If you can not provide this verification, please remove or correct the balance as required under the FCRA.

Under FCRA 611 ( a ) ( 1 ) ( A ), you are required to reinvestigate disputed information and correct or delete any information that is inaccurate, incomplete, or unverifiable within 30 days. If the information can not be verified within that timeframe, FCRA 611 ( a ) ( 5 ) ( A ) requires that it must be deleted.

I am requesting the following actions : An immediate reinvestigation of this account.

Deletion or correction of any and all inconsistent, inaccurate, or unverifiable information.

Written results of your investigation within 30 days, as required by federal law.

If the item is verified as accurate, please include the Method of Verification ( M.O.V. ), as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), including the name and contact information of the furnisher who verified the account.

Included Documents : Copy of my state ID ( proof of identity ) Utility with current address ( proof of address ) Screenshot of account reporting multiple inaccuracies and inconsistencies Please correct or remove this account as appropriate. Continued reporting of conflicting information may lead to further action, including regulatory complaints or legal remedies under the Fair Credit Reporting Act. 

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