Consumer complaint received 2025-08-13 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 Phone : ( XXXX ) XXXX Email : XXXX SSN ( Last Four ) : XXXX XXXX XXXX XXXX DOB : XX/XX/XXXXXXXXXXXX   Date : XX/XX/XXXX To : Transunion/Equifax/Experian Subject : Formal Dispute Inconsistent & Inaccurate Reporting of XXXX  Account Whom It May Concern, This is a formal dispute under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 16811681x, specifically 1681e ( b ) ( maximum possible accuracy ), 1681i ( reinvestigation ), and 1681s-2 ( a ) ( 8 ) ( 623 ( a ) ( 8 ) direct and indirect disputes treated equally ). This dispute was initiated via CFPB.gov, which under 15 U.S.C. 1681s-2 ( a ) ( 8 ) must be treated no differently than if I had submitted it directly to your agency. 

I have identified multiple material inconsistencies in how the account identified as XXXX is being reported across the three major credit reporting agencies. These discrepancies create factual conflicts that violate the FCRAs requirement of complete and accurate consumer reporting. 

1. Account Number Discrepancy TransUnion  : XXXX Equifax  & Experian  : XXXX This constitutes an inconsistency in a fundamental identifying data field. 
Violation : FCRA 1681e ( b ) obligation to assure maximum possible accuracy. 
Case Law : Cushman v. Trans Union Corp., 115 F.3d 220 ( XXXX XXXX. XXXX ) Bureaus must do more than a cursory check when discrepancies are present. 

2. Date of Last Activity Conflict TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax  : XX/XX/XXXX Conflicting dates may indicate illegal re-aging under FCRA 605 ( a ) and failure to maintain consistent reporting. 
Case Law : Richardson v. Equifax, XXXX Material date discrepancies are inaccurate reporting. 

3. Original Creditor Field Blank TransUnion  : XXXX XXXX Equifax & Experian : Blank Failure to identify the creditor violates FCRA 609 ( a ) ( 1 ) right to full disclosure of the sources of information. 

4. Term/Source Type Inconsistency TransUnion & Equifax : Blank Experian : Provided Inconsistent source field violates 1681e ( b ) data must be consistent across reports.

5. Account Status Conflict TransUnion & Equifax : Open Experian : Charge-off An account can not be both open and charged-off simultaneously. 
Case Law : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Contradictory statuses show failure to investigate properly. 

6. Most Recent Adverse Rating TransUnion & Experian : Collection/Charge-off Equifax : No data available This discrepancy violates 1681i ( a ) ( 1 ) ( A ) reasonable reinvestigation requirement. 

7. Account Comments Conflict TransUnion : Placed for collection Equifax : Collection account Experian : Unpaid balance reported as a loss by credit grantor Inconsistent narrative undermines the accuracy of the record.

8. Payment History Contradiction TransUnion : No history available Equifax : Youve made 100 % of payments on time Experian : Youve made 0 % of payments on time This is factually impossible and violates FCRA 1681e ( b ).

Requested Action : Pursuant to FCRA 611 ( a ), I demand a complete reinvestigation of this account within 30 days of receipt of this dispute. If the account is verified as accurate, I request a full Method of Verification ( MOV ) under 1681i ( a ) ( 6 ) ( B ) ( iii ) to be provided within 15 days after verification, detailing : The name of the furnisher or individual contacted The method and documentation used to verify The specific source of the verified information If your reinvestigation can not verify this account with 100 % factual consistency, it must be deleted in its entirety from my credit file.

Preservation of Rights : Nothing in this letter shall be construed as a waiver of any rights or remedies available to me under federal or state law. I reserve the right to pursue legal action, including claims for statutory damages, actual damages, and attorneys fees, should violations of the FCRA continue. 

Enclosures : Copy of State ID ( Proof of Identity ) Recent Bank Statement ( Proof of Address ) Highlighted screenshots of inconsistencies Sincerely, XXXX 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