Consumer complaint received 2025-05-13 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX SSN : XXXX XXXX : XX/XX/XXXX Phone : XXXX Date : XXXX XXXX To Whom It May Concern, Subject : Formal Dispute of Inaccurate Account Reporting Request for Deletion or Method of Verification ( MOV ) Re : XXXX XXXX  | Account Number : XXXX I am writing to formally dispute the accuracy and integrity of the information being reported on my credit profile regarding the above-referenced account. Upon reviewing my credit reports from all three major credit bureausTransUnion, Equifax, and ExperianI have identified multiple material inconsistencies that are negatively affecting my credit profile. 

The discrepancies are as follows : Balance : TransUnion : {$0.00} Equifax : {$0.00} Experian : {$0.00} Highest Balance : TransUnion : {$220.00} Equifax : {$220.00} Experian : {$0.00} Last Activity Date : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX Account Type : TransUnion : Installment Sales Contract Equifax : Blank Experian : Installment Sales Contract Remarks : TransUnion : Blank Equifax : Charged Off Account Experian : Unpaid balance reported as a loss, purchased by another lender Late Payments ( XX/XX/XXXX Days ) : TransUnion : XXXX Equifax : XXXX Experian : XXXX Payment History : TransUnion : No history available Equifax : 100 % on-time payments Experian : 55 % on-time payments This level of inconsistent, contradictory, and unverifiable data being reported across the three bureaus directly violates the Fair Credit Reporting Act ( FCRA ), specifically : FCRA Section 602 ( A ) It is the policy of Congress that consumer reporting agencies maintain maximum possible accuracy. 

FCRA Section 611 ( a ) If a consumer disputes the accuracy of any information, the CRA must conduct a reasonable investigation and either correct or delete the information. 

FCRA Section 607 ( b ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

Clearly, all three bureaus are reporting drastically different information regarding balance, payment history, last activity, account type, and remarks. This level of disparity is damaging to my creditworthiness and must be addressed with urgency and full compliance with federal law. 

Given the unverifiable and conflicting nature of this account, I am formally requesting that this account be deleted in its entirety from my credit reports with TransUnion, Equifax, and Experian to prevent further unjust harm to my credit profile. 

Should the bureaus choose not to remove this account, I am invoking my right under FCRA Section 611 ( a ) ( 7 ) and hereby request a Method of Verification ( MOV ) detailing : The name and contact information of the furnisher of the information. 

A clear explanation of how the accuracy of the data was verified. 

Documentation received from the furnisher that supports the current reporting. 

Furthermore, I respectfully request an explanation as to why these inconsistencies occurred, and how they were allowed to remain on file when your agencies are required to maintain accurate and up-to-date reporting. 

This account is not being reported uniformly and has no clear verified status. Until and unless these major discrepancies are addressed and resolved with factual evidence, this account must be removed entirely under your legal obligations as stipulated in the FCRA. 

Please complete your investigation and provide written confirmation of the results within the 30-day period required by law. Thank you for your attention to this matter. 

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