Consumer complaint received 2025-11-05 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: NJ

Complaint narrative:
I am filing this complaint regarding inaccurate and inconsistent reporting of my XXXX XXXX  loan account ( Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) across Equifax, Experian, and TransUnion. The same account is being reported differently by each bureau, showing XXXX  days past due while simultaneously listed as Open and active. 

This contradictory reporting violates Metro 2 data standards and the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681e ( b ) Accuracy of information, 15 U.S.C. 1681s-2 ( a ) ( 2 ) Duty to correct and update information, and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Requirement to reinvestigate disputed information. 

XXXX  failure to provide verified, consistent documentation supporting these delinquencies constitutes unverified and noncompliant reporting. 

Detailed Explanation of the Problem 1. Inconsistent and Noncompliant Reporting All three credit reports list this same XXXX account as Open, but simultaneously display XXXX  day late payment statuses. 

Equifax shows : Open account with 120-day delinquency and a past-due amount of {$1900.00}. 

Experian shows : Open account with 180-day delinquency and past due {$1700.00}. 

TransUnion shows : Open account with 120-day delinquency and past due {$1700.00}. 

According to the Consumer Data Industry Associations Metro 2 guidelines, an open installment account can not simultaneously report as severely delinquent. Such data is structurally invalid, making the tradeline unverifiable and inaccurate under FCRA compliance rules LATE PAYMENT EQ LATE PAYMENT EX LATE PAYMENT TU. 

2. Contradictory Bureau Notes The comment sections across the three bureaus contradict each other : Equifax : Consumer disputes after resolution. 

Experian : Dispute resolved ; customer disagrees. 

TransUnion : Dispute resolved. 

This inconsistency demonstrates that none of the bureaus have received verified documentation from XXXX confirming any late payment. Under the FCRA, credit reporting agencies must maintain consistent and verifiable data, and when discrepancies exist, they must delete unverifiable information. 

3. Absence of 21-Day Notice Before Delinquency Reporting Under 15 U.S.C. 1666 ( b ) ( 4 ) - ( 5 ), a billing error occurs when a creditor fails to reflect payments correctly or commits an accounting computation error. XXXX did not provide a required 21-day billing notice before reporting late payments, which is a violation of Truth in Lending Act ( Regulation Z ) provisions. Therefore, any reported delinquencies are invalid and must be deleted or updated to reflect Paid as Agreed. 

4. Differences in Account XXXX  Even basic account details vary across the three bureaus, such as : Date Opened : Equifax/Experian list XX/XX/XXXX ; TransUnion lists XX/XX/XXXX. 

Balance : Equifax lists {$17000.00} ; Experian/TransUnion list {$17000.00}. 

Date Last Active : Ranges from XX/XX/XXXX to XX/XX/XXXX. 

Payment Status : Ranges between 120 days delinquent and 180 days delinquent.

Such disparities prove systemic reporting errors, violating FCRA 1681e ( b ), which mandates maximum possible accuracy in consumer credit data LATE PAYMENT EQ.

5. Failure to Verify or Provide Documentation Despite my written disputes submitted to each bureau on XX/XX/XXXX, neither XXXX nor the credit reporting agencies have provided original documentation proving the legitimacy of the reported late payments. The FCRA and CFPB regulations require furnishers and bureaus to respond with verified evidencenot mere confirmation of prior data entries. 

As of this filing, the account remains reported inaccurately and inconsistently across all three agencies, despite my ongoing dispute under CFPB Case # XXXX. 

Harm Suffered These false delinquencies have caused me : Credit denials, Unjustified high interest rates, and Emotional distress due to continued publication of unverifiable derogatory data. 

Under 15 U.S.C. 1681n ( Civil Liability for Willful Noncompliance ), I reserve the right to seek monetary damages if this matter is not resolved promptly. 

Requested Resolution I am requesting that the CFPB require XXXX and all three credit bureaus to : Immediately delete all unverified derogatory data related to this XXXX account, or Update the account to reflect Paid as Agreed with no late payment history, and Provide me with written verification and documentation supporting the accuracy of any information retained. 

If proof can not be provided within a reasonable timeframe, this account must be permanently deleted from all consumer reporting databases. 

Supporting Documents Attached are three dispute letters sent to : Equifax ( LATE PAYMENT EQ.pdf ) Experian ( LATE PAYMENT EX.pdf ) TransUnion ( LATE PAYMENT TU.pdf ) Each letter provides a detailed explanation of the discrepancies, itemized comparisons, and supporting evidence of reporting violations. 

Conclusion The reporting by XXXX and the credit bureaus clearly violates Metro 2 standards and the FCRAs provisions governing data accuracy, verification, and consumer rights. Continued reporting of conflicting and unverifiable information constitutes willful noncompliance. 

I respectfully request that the CFPB intervene to ensure full correction or deletion of this tradeline and hold XXXX accountable for their repeated violations of federal consumer protection laws.

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