Consumer complaint received 2025-06-18 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 Date of Birth : XX/XX/XXXXXXXX  SSN ( Last 4 Digits ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : All 3 Credit Bureaus ( Experian, Equifax, TransUnion ) Re : Formal Dispute Inaccurate Reporting on XXXX XXXX ( Auto Loan ) Account Number : XXXX To Whom It May Concern I am formally disputing the accuracy, completeness, and consistency of the XXXXXXXX XXXX tradeline listed on my credit report. The account, reported under joint contractual liability, contains numerous conflicting, unverifiable, and inconsistent data elements across all three bureaus that violate the Fair Credit Reporting Act ( FCRA ), specifically : Discrepancy List : Highest Balance Reported TransUnion : {$62000.00} Experian : {$62000.00} Equifax : {$31000.00} ( Major inconsistency ) Last Activity Date TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX ( Inconsistent with TU/EX ) Remarks Section TransUnion : No remark listed Equifax : XXXX Charged Off Account '' Experian : " Unpaid Balance Reported as a Loss by Credit Grantor '' ( Three different statuses ) Late Payment History ( 30/60/9XX/XX/XXXX Days Late ) TransUnion : XXXX Equifax : XXXX ( Mathematically impossible to be late 60 days one time and late 90 days 7 times ) Experian : XXXX ( All three differ ) Months Reviewed TransUnion : XXXX Equifax : XXXX Experian : XXXX ( Significant inconsistencies ) Monthly Payment All three bureaus report : {$0.00} Yet payment histories are being reported, which is a direct contradiction. 

Payment History Summary TransUnion : " No payment history available '' Equifax : " Youve made XXXX XXXX  of payments on time '' Experian : " Youve made XXXX XXXX of payments on time '' ( These can not all be true ) Legal Violations FCRA & Case Law Support : FCRA 607 ( b ) : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy. The inconsistencies shown across agencies violate this clause. 

FCRA XXXX ( a ) : You are obligated to conduct a reasonable reinvestigation when a dispute is filed and must delete or correct inaccurate, incomplete, or unverifiable information. 

XXXX v. TransUnion, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : Reinforces that credit bureaus must go beyond a superficial verification process and may be held liable under the FCRA for failure to perform a reasonable reinvestigation. 

XXXX v. Equifax, XXXX : Held that a credit bureau reporting conflicting data between agencies or across reporting months is a failure of due diligence. 

Formal Request : I demand the complete deletion of this XXXXXXXX XXXX account from my credit reports unless your bureau can verify the following : The correct payment history The true balance and charge-off details Uniform and accurate remarks and dates across all bureaus In accordance with FCRA 611 ( a ), I am also demanding the Method of Verification ( M.O.V. ), including : The name and contact information of the individual who verified the account The exact method used to verify the account A description of the original documentation used in the verification process If you are unable to provide verifiable and consistent evidence across all three credit reporting agencies, this account must be permanently deleted from my credit profile as required by federal law. 

Please respond within the 30-day period as required under the FCRA.

Attached : State Id for proof of identity utility bill for proof of address Screenshot of highlighted inconsistencies Sincerely, XXXX XXXX XXXX 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