Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To : [ Credit Bureau Name Experian ] Subject : Credit Report Dispute Request for Investigation and Removal of Inaccurate/Unverified Information Re : Account # XXXX XXXX XXXX XXXX  XXXXXXXX Dear XXXX am writing to formally dispute inaccurate and potentially unverifiable information being reported on my credit report under the name XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX partial account number XXXX. This account appears in both XXXX  and XXXX  credit files, but it contains several inconsistencies and inaccuracies that violate federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 



Disputed Items and Supporting Legal Grounds XXXX. XXXX XXXX XXXX XXXX TransUnion reports : 60 days past due Experian reports : Paid, was past due 30 days These conflicting statuses are materially misleading and XXXX adversely impact my creditworthiness, violating FCRA XXXX ( b ) which requires credit bureaus to maintain maximum possible accuracy. 
XXXX. Closed Account Reporting with Past Due Status The account is listed as Closed on both reports as of XX/XX/year>, yet it continues to show a past due status. Per FCRA 1681c, derogatory information such as delinquencies must be reported accurately and must not be misleading if the account has been satisfied or closed. 
XXXX. XXXX Balance Reporting A {$0.00} balance is reported, but the continued negative status conflicts with this XXXX balance and closed status. This suggests either an error or that the account has been misrepresented post-closure. 
XXXX. Failure to Report on All Bureaus This account is not reported at all on Equifax. While not unlawful by itself, inconsistent reporting XXXX signal unverifiable or outdated account data, raising concerns about the accuracy and completeness of the tradeline. 
XXXX. Missing or Vague Information Fields such as Monthly Payment, Balance, and XXXX XXXX are inconsistently reported or omitted. Incomplete reporting can violate FCRA XXXX ( a ) which requires full reinvestigation of disputed accounts and accurate update or deletion of unverifiable data. 



Request for XXXX and XXXX XXXX to the FCRA XXXX, I formally request that you : XXXX. XXXX a full investigation into this account. 
XXXX. Validate the accuracy of the reported data directly with the furnisher ( XXXX XXXX Bank SS ). 
XXXX. Provide documentation confirming the account details, payment history, delinquency dates, and closure terms. 
XXXX. Delete or correct this account if the data can not be verified within the required timeframe ( XXXX  days from receipt of this letter ). 



Additional Notes I request that the results of your investigation, including any documentation provided by the furnisher, be sent to me in writing. If you are unable to verify this information within the required period, the disputed information must be deleted from my credit report as required by FCRA 1681i ( a ) ( 5 ) ( A ). 

Please consider this letter a formal dispute and request for reinvestigation under the Fair Credit Reporting Act.

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