Consumer complaint received 2025-08-14 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 DOB : XX/XX/XXXX SSN ( last 4 ) : XXXX Email : XXXX Phone : XXXX XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services, LLC XXXX XXXX XXXXXXXX XXXX, GA XXXX Experian Information Solutions , Inc. 
XXXX XXXXXXXX XXXX XXXX, TX XXXX Re : Formal Dispute Inaccurate Credit Reporting & Demand for Immediate Corrective Action To Whom It May Concern, I am formally disputing the accuracy and completeness of an account appearing on my credit reports. The data is materially inconsistent across all three nationwide credit reporting agencies, which violates your statutory obligations under the Fair Credit Reporting Act ( FCRA ). 

Factual Inconsistencies in Reporting 1. Date of Last Activity TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX XXXX. Account Type TransUnion & Experian : Credit Card Equifax : XXXX XXXX. XXXX XX/XX/XXXX Days Late TransUnion : XXXX Equifax : XXXX ( factually impossible ) Experian : XXXX ( factually impossible ) 4.Term Source Type All Bureaus : Blank 5. High Balance ( First Entry ) TransUnion & Equifax : {$1200.00} Experian : {$0.00} 6. High Balance ( Second Entry ) TransUnion : {$700.00} Experian & Equifax : {$0.00} 7. Payment History TransUnion : No history available Equifax & Experian : 25 % on-time ( inconsistent and mathematically implausible with other reported data ) Legal Basis for Dispute FCRA 611 ( a ) [ 15 U.S.C. 1681i ] Requires a reasonable reinvestigation of disputed information within 30 days.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Mandates maximum possible accuracy in consumer reports.

FCRA 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ] Explicitly states that disputes submitted via the CFPB.gov complaint portal are to be treated with the same duties and obligations as direct disputes sent to the furnisher or CRA.

FCRA 604 ( a ) ( 3 ) Prohibits reporting of data without a permissible purpose or factual basis. 

XXXX XXXX XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs must conduct an independent, reasonable investigation. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX unverifiable data is an FCRA violation. 

XXXX v. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) Conflicting and inconsistent data must be corrected or deleted. 

CFPB/FTC Guidance CFPB Bulletin XXXX CRAs and furnishers must maintain reasonable procedures to ensure accuracy. 

FTC Staff Opinion Letters CRAs must delete or correct unverifiable or inconsistent information. 

Demand for Action & Deadlines I demand the following corrective actions : Immediate correction or deletion of all inaccurate, unverifiable, or inconsistent data identified above.

Full reinvestigation within 30 days from receipt of this dispute as required by FCRA 611 ( a ).

If verified as accurate, provide a Method of Verification within 15 days after verification in compliance with 1681i ( a ) ( 6 ) ( B ) ( iii ).

Preservation of Rights If you fail to comply, I will : File additional complaints with the Consumer Financial Protection Bureau and Federal Trade Commission.

Notify my state Attorney Generals office. 

Pursue legal remedies under the FCRA and applicable state laws for statutory damages, actual damages, and attorneys fees. 

Nothing in this letter constitutes a waiver of any of my rights under federal or state 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