Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
RE : IMMEDIATE DISPUTE & DEMAND FOR CORRECTION / DELETION Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : DISPUTE OF INACCURATE, UNVERIFIED, AND FALSELY REPORTED ACCOUNT ACTIVITY This letter serves as a formal dispute and demand for reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding the above-referenced account reported by XXXX XXXX XXXX XXXX XXXX Your records across Experian, Equifax, and TransUnion are materially inaccurate, inconsistent, and in direct violation of federal law. 

INACCURACIES ACROSS BUREAUS : High Credit Discrepancy Experian : {$2000.00} Equifax : {$1000.00} TransUnion : {$2000.00} This inconsistency in high credit indicates reporting errors and requires reconciliation or full deletion. 

Date of Last Activity Conflict Experian & TransUnion : XX/XX/year> Equifax : XX/XX/year> This creates doubt regarding accuracy and completeness. These conflicting dates demand clarification or removal. 

Late Payment History Inconsistency Experian & TransUnion : XXXX, XXXX, XXXX Days Late Equifax : XXXX XXXX XXXX Days Late Discrepancy in how many times I was allegedly late proves the data is unverified, unsubstantiated, and not fit for reporting under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Account Type / Comments Conflict Reported as Charged Off with a $ 0 monthly payment and {$0.00} credit limit. 

No proof has been provided of how the charge-off was calculated or validated. 

No notice of charge-off, no copy of the original signed contract. 

VIOLATIONS OF U.S. CODES : You are in violation of multiple provisions of FCRA and FDCPA, including but not limited to : 15 U.S.C. 1681s-2 ( a ) Furnishing inaccurate and incomplete information to CRAs.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to correct or delete inaccurate or unverifiable information.

15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1692e ( 8 ) Communicating credit information known to be false, including failure to communicate a disputed debt.

Fair Credit Billing Act ( FCBA ) and FTC regulations governing proper accounting of credit accounts.

DEMANDS FOR CORRECTIVE ACTION : Immediate deletion of this account from my credit reports due to multiple reporting errors and unverifiable information.

Proof of validation including : Original signed contract ( wet ink signature ) Payment history logs Charge-off calculation Notice of default or charge-off If you can not provide this, the item must be removed under 15 U.S.C. 1681i.

Provide written confirmation of your reinvestigation and its outcome within 15 days, per FCRA guidelines.

NOTICE OF LIABILITY : If this account is not corrected or deleted, I will : File complaints with the CFPB, FTC, and Attorney General.

Pursue legal action for : Defamation of credit Negligent enablement of identity theft Violations of FCRA, FDCPA, and associated federal codes I am keeping recorded documentation of this dispute and all further correspondence.

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