Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute Request for Deletion of Inaccurately Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Bureaus Impacted : TransUnion, Equifax, Experian To Whom It May Concern, I am formally disputing the accuracy, completeness, and consistency of the XXXX XXXX  account reported under account number XXXX, which currently appears on my credit reports from TransUnion, Equifax, and Experian. This tradeline is materially inconsistent, incomplete, and potentially a duplicatethus constituting a violation of the Fair Credit Reporting Act ( FCRA ), as well as deceptive credit reporting under the Consumer Financial Protection Act ( CFPA ).

Summary of Discrepancies and Violations Upon review of my credit reports dated XX/XX/XXXX, I identified the following inaccuracies that demand immediate attention : XXXX. Inconsistent Dates of Last Activity : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX Violation : Per FCRA 623 ( a ) ( 5 ), furnishers must report the accurate Date of First Delinquency ( DOFD ). These inconsistencies raise concern about potential re-aging and improper data furnishing.

2. Inconsistent & Incomplete Payment History : TransUnion : Reports no payment history and no late payments ( XXXX ) Equifax : XXXX 77 % on-time payments with XXXX lates Experian : Reports 79 % on-time payments with XXXX lates Violation : Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must report information that is complete and accurate. Discrepancies in late payment history and missing historical data on TransUnion make this account unverifiable. 
XXXX. Inconsistent Months Reviewed Data : TransUnion : XXXX Equifax : XXXX Experian : XXXX Such disparity in the length of credit history reviewed highlights a serious lack of consistency and violates FCRA 607 ( b ), which requires procedures that assure maximum possible accuracy.

4. Missing or Inconsistent High Balance : TransUnion : Reports a high balance of {$3400.00}, exceeding the credit limit of {$3000.00} Equifax & Experian : No high balance listed Inflated or omitted balances significantly affect utilization ratios and are misleading.

5. Term Source Missing Across All Bureaus : All three reports list Term Source Type as blank or missing, which further invalidates the record and its completeness.

6. {$0.00} Monthly Payment Across All Reports : Despite being a revolving credit card account with extended history, all three bureaus show a {$0.00} monthly payment, suppressing the accounts true structure and purpose. 

XXXX. Amount Past Due Is Not Listed Anywhere : Even though this account is marked as a charge-off, none of the bureaus list an actual Amount Past Due. This omission either shows that the balance is no longer collectible or that it is not verified. 

Demand for Immediate Action & Full Verification Under FCRA XXXX, I formally request the following from each credit bureau and the data furnisher ( XXXX XXXX  ) : A detailed Method of Verification ( MOV ) as required by FCRA 611 ( a ) ( 7 ) A copy of the original signed contract or application, full payment history, and proof of ownership Documentation showing the exact DOFD, charge-off date, and validation of each delinquency A detailed XXXX XXXX of all updates and any communication from the creditor used to verify this tradeline Additionally, I am requesting the name, title, and company affiliation of the individual who verified this tradeline for each bureau, as is my right under the FCRA. If such information can not be produced, it will further support the argument that this account can not be legally verified and should be deleted in its entirety. 

Furthermore, the current reporting of this account is not only inaccurate and incomplete, but also materially misleading, which constitutes a deceptive credit reporting practice under the Consumer Financial Protection Act ( CFPA ). Consumers have the right to not be misled by conflicting credit data that lacks consistent verification or factual documentation.

Violations Warranting Escalation Failure to resolve these discrepancies or provide full documentation within 30 days will result in : A formal FTC complaint Notification to my state Attorney Generals office Consideration of legal action under FCRA 616, which provides for actual and statutory damages Requested Resolution Permanently delete this XXXX XXXX  account from TransUnion, Equifax, and Experian Provide written confirmation of deletion Provide a detailed MOV response and verification materials within 30 days Thank you for your prompt attention. I expect a response within the timeframe allowed by law. 

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