Consumer complaint received 2025-05-22 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 XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of XXXX Funding Account # XXXXXXXX XXXX XXXX Dear Credit Reporting Agency, * * Key Points Summary : This account contains multiple material discrepancies between Experian and Equifax reports. It is being reported simultaneously as both Open and a Collection, which is legally contradictory. Dates of last activity, last payment, and payment histories conflict between bureaus. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) standards for accuracy. I demand deletion unless a full, documented method of verification is provided addressing every inconsistency. 

I am writing to formally dispute the accuracy, consistency, and completeness of the account being reported under XXXX XXXX XXXX, account number XXXX XXXX XXXX XXXX XXXX, on my Experian and Equifax credit reports. I am requesting an immediate deletion of this account due to significant and material discrepancies, which constitute a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq. 

These discrepancies are having a direct and negative impact on my creditworthiness, causing denials of credit opportunities, higher interest rates, and undue stress. Given the importance of an accurate credit profile for my financial wellbeing, I expect prompt and thorough resolution.

There are substantial and conflicting inconsistencies between the information reported by Experian and Equifax for this account. These discrepancies are as follows : 1. Both Experian and Equifax report the account type as " Open, '' despite the fact that Equifax also classifies the account as a " Collection, '' which is legally incompatible with an open status.

2. The Account Type Detail listed by Experian is Unknown - Credit Extension, Review, or Collection, while Equifax reports it simply as Collections. These contradictory classifications materially misrepresent the nature of the account.

3. Experian lists the terms of the account as 1 month, whereas Equifax reports 0 months.

4. The payment status in Experian is Collection/Charge-Off, while Equifax reports the account as 120 Days Late, creating confusion about whether this account is charged off or just delinquent.

5. The last reported date for Experian is XX/XX/XXXX, but Equifax reports XX/XX/XXXX. 
Experians comments state that the account is seriously past due and has been assigned to an attorney, collection agency, or the credit grantors internal collection department. 

6. Equifaxs comment field only shows Collection Account, lacking the depth of context provided by Experian. 

7. The Date of Last Activity is XX/XX/XXXX on Experian and XX/XX/XXXX on Equifax. 
Only Equifax provides a Date of Last Payment ( XX/XX/XXXX ), while Experian leaves this field blank. 

8. The two-year payment history reported is materially inconsistent. Experian lists delinquencies for XX/XX/XXXX through XX/XX/XXXX, while Equifax reports OK for XX/XX/XXXX through XX/XX/XXXX, with XX/XX/XXXX left blank. 

These conflicts demonstrate that this account is being reported with internal inconsistencies that affect the accuracy and fairness of my credit profile. As per FCRA 1681e ( b ), credit reporting agencies are required to maintain the maximum possible accuracy of the information they report. The contradictions described above clearly violate that standard.

Furthermore, FCRA 1681i ( a ) ( 1 ) ( A ) requires that upon notice of a dispute, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate. Simply updating the account to reflect new or modified data is insufficient under the law if the original reporting is inaccurate or unverifiable.

In the event that the information can not be verified, FCRA 1681i ( a ) ( 5 ) ( A ) mandates that it be removed entirely from the credit report. If you decide to keep this account on file, I am explicitly exercising my right under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) to request the method of verification ( MOV ), which includes : The name, address, and contact number of the furnisher who verified the data.

A comprehensive description of the procedure used to verify the disputed information.

The specific documentation and data relied upon in the reinvestigation process.

Additionally, I hereby request a complete copy of all documentation and evidence obtained and relied upon during your reinvestigation as provided for under FCRA 1681i ( a ) ( 6 ) ( B ).

Therefore, I demand the following : Immediate deletion of the XXXX XXXX account from both Experian and Equifax due to the material inconsistencies and unverifiable data. 

A reinvestigation that does not result in a superficial update or re-verification without addressing every specific inconsistency outlined in this letter. 

If retained, full compliance with the FCRA MOV requirements and delivery of all reinvestigation documents as noted above. 
Final Note : If this account is not deleted or fully validated with a proper MOV, I will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the New York State Attorney Generals Office, and potentially initiating legal action under FCRA 1681n and 1681o for willful or negligent noncompliance.

Please respond to this dispute within the 30-day period mandated by federal law and confirm the results of your investigation in writing.

Attached Is my state identification for verification along with my bank statement for proof of address. Also attached is the highlighted inconsistencies this account has been inaccurately been reporting. 

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