Consumer complaint received 2025-05-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Regarding Inaccurate Credit Reporting Account # XXXX * * * * * * Dear XXXX XXXX, I am writing to formally dispute inaccuracies in the reporting of my account ( Account # XXXX * * * * * * ) on my credit reports with TransUnion, Experian, and Equifax, as obtained on XX/XX/XXXX, through XXXX. I believe these inaccuracies violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX reporting standards. I am submitting this complaint to you and the Consumer Financial Protection Bureau ( CFPB ) to request a thorough investigation and correction of the errors outlined below. 

Description of Issues Based on a detailed review of my XXXX Credit Report, I have identified the following discrepancies in the reporting of my account : Inconsistent " Date Opened '' : TransUnion reports the account opened on XX/XX/XXXX, while Experian and Equifax report XX/XX/XXXX. 



This inconsistency may misrepresent the accounts age, affecting my credit score. 



Inconsistent " Date of Last Activity '' : TransUnion reports XX/XX/XXXX, while Experian and Equifax report XX/XX/XXXX. 



This discrepancy could affect calculations for statute of limitations or credit scoring. 



Inconsistent " Last Payment '' Dates : TransUnion and Experian report the last payment as XX/XX/XXXX, while Equifax reports XX/XX/XXXX. 



This inconsistency misrepresents my payment history, potentially impacting my creditworthiness. 



Missing " Last Verified '' Dates : TransUnion reports the account was last verified on XX/XX/XXXX, but Experian and Equifax do not provide a verification date. 



This omission suggests potentially outdated or unverified data. 



Missing " Term Length '' in Equifax Report : TransUnion and Experian report a term length of XXXX  months, but Equifax omits this information. 



This incomplete reporting affects the understanding of my repayment obligations. 



Missing " Payment Frequency '' in Experian and Equifax Reports : TransUnion reports a monthly payment frequency, but Experian and Equifax omit this field. 



This omission could confuse creditors about my payment schedule. 



Inconsistent " Creditor Type '' : TransUnion and Experian classify the account as Installment Loans, while Equifax lists All Banks. 



This misclassification may lead to incorrect credit evaluations. 



Inconsistent " Creditor Remarks '' : Equifax includes a remark of Unsecured, while TransUnion and Experian have no remarks. 



This inconsistency could misrepresent the accounts nature. 



Potentially Incorrect " Credit Limit '' : All bureaus report a credit limit of {$0.00}, despite a high balance of {$33000.00} and a current balance of {$20000.00} for an unsecured installment loan. 



For installment loans, the original loan amount should typically be reported instead of a {$0.00} credit limit, which may confuse credit scoring models. 



Incomplete Payment History : The report includes a partial two-year payment history for TransUnion ( only XXXX XXXX ) and none for Experian or Equifax. 



XXXX XXXX standards require a complete XXXX payment history. 

Impact of Errors These inaccuracies and omissions may negatively affect my credit score, misrepresent my creditworthiness to potential lenders, and violate FCRA Section XXXX ( a ) ( XXXX ) requirements for accurate and complete reporting, as well as XXXX XXXX guidelines for standardized data submission. I rely on accurate credit reporting for financial opportunities, and these errors could result in unfair denials of credit or higher interest rates. 

Requested Resolution I respectfully request that XXXX XXXX  take the following actions within XXXX  days : Investigate the discrepancies outlined above and verify the correct account details, including dates, term length, payment frequency, creditor type, remarks, credit limit, and payment history. 



Update your XXXX XXXX submissions to TransUnion, Experian, and Equifax to ensure consistent and accurate reporting across all bureaus. 



Provide me with written confirmation of the corrections made, including updated credit report entries. 



If any errors can not be corrected, provide a detailed explanation of why the reported information is accurate, along with supporting documentation. 

Supporting Documentation I have enclosed a copy of the relevant pages from my XXXX Credit Report, dated XX/XX/XXXX, highlighting the discrepancies. I can provide additional documentation, such as my loan agreement, upon request to support the correction of these errors. 

Contact Information Please contact me at the address above or via email at XXXX to discuss this matter or request additional information. I expect a response within the timeframe required by the FCRA ( XXXX days from receipt of this dispute ). 

Notice of CFPB Submission Please be advised that I am submitting a copy of this complaint to the Consumer Financial Protection Bureau for oversight and to ensure compliance with federal regulations. I reserve the right to pursue further action if these issues are not resolved promptly and satisfactorily. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Enclosures : XXXX-Bureau Credit Report Excerpt ( XXXX pages ) CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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