Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my credit report again after a 2nd dispute letter was sent out to Experian and Equifax credit reporting agency. I am formally disputing the inaccuracy and incompleteness of the information being reported on my credit file regarding my XXXX XXXX XXXX account. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2. Which states you are required to ensure all information furnished and maintained in my file is accurate, consistent, and not misleading.

After reviewing both my Equifax and Experian reports, I identified clear factual inaccuracies and contradictions : Here is the contradictions history which violates the Metro 2 credit reporting guidelines and FCRA laws. 

Equifax Reporting ( XXXX ) : XXXX XXXX OK XXXX XXXX 60 days late XXXX XXXX OK XXXX XXXX OK XXXX XXXX 60 days late Experian Reporting ( XXXX ) : XXXX XXXX OK XXXX XXXX ND ( No Data ) XXXX XXXX OK XX/XX/XXXX ND ( No Data ) XXXX XXXX OK XXXX XXXX 30 days late Aug 2025 60 days late XXXX. This information shows factual inaccuracies identified Contradictory reporting : Equifax shows XXXX lates in XXXX XXXX, while Experian shows XXXX XXXX for the same period. Both can not be accurate. 

XXXX. Re-aging / inconsistent delinquency : Equifax shows the account returned to OK status from XXXX XXXX after serious delinquency, which is not consistent with normal credit reporting standards. 

Experian shows 30 days late in XXXX XXXX and 60 days in XX/XX/XXXX, while Equifax already reports 60 days late in XXXX XXXX. This is impossible and factually inconsistent with Experian. 


XXXX. Missing / Misleading data : Experian reports No Data in XXXX XXXX and XX/XX/XXXX, while Equifax reports active status for these same months. No XXXX in the middle of active account history is materially misleading and in violation of the FCRA. 

I have requested on numerous disputes that Experian and Equifax to send me information on how this information is being gathered. How is it that we get XXXX different answers coming from the same the source. That's impossible and inconsistent with 15 USC 1681 e ( b ). 

I am requesting Experian and Equifax to conduct a full reinvestigation of the XXXX XXXX XXXX account. Correct or delete all inaccurate, contradictory, or unverifiable late payment entries, and provide me with written confirmation of the results within 15 days. 

If the inaccurate information can not be fully verified with proper documentation from the furnisher, it must be deleted from my credit file. 
Failure to comply will constitute willful noncompliance under FCRA 1681n, exposing your agency and the furnisher to civil liability. 
Please reinvestigate this matter and ensure my credit report reflects only complete, accurate, and verifiable information. 

Thank you for your time, 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