Consumer complaint received 2025-05-05 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XXXX To : TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Equifax XXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Formal Demand for Deletion of Inaccurate and Conflicting Account Information Account # XXXXXXXX XXXX XXXX XXXX XXXX Dear Credit Bureau Representative, I am writing to demand the immediate deletion of the account reported by XXXX XXXX XXXX ( XXXX ), account number ending in XXXXXXXX XXXX XXXX XXXX XXXX, due to conflicting, inaccurate, and unverifiable information being reported across all three credit bureaus. 

Despite past disputes and reinvestigations, the following inconsistencies persist : Conflicting open, close, and last active dates across bureaus, Inconsistent payment status comments and status updates, Incorrect term duration ( Equifax reports 0 months ; others report XXXX ), Different payment update dates and high balance data, A repossession with a balance still due while showing the account as closed, and no clear explanation or resolution. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 611, requiring that all data be complete, accurate, and verifiable. If an account can not be verified with 100 % consistency and accuracy, it must be deleted from my credit report. 

I am enclosing a copy of the tri-bureau report showing these inconsistencies. I am requesting : 1. A reinvestigation of this account with all relevant documentation provided by the data furnisher, 2. The method of verification and the contact person at XXXX XXXX XXXX, 3. And deletion of this account if the data can not be corrected immediately and uniformly across all bureaus. 

Key Issues Across all three Credit Bureaus : Different dates opened : XX/XX/XXXX ( Experian & Equifax ) vs XX/XX/XXXX ( TransUnion ). 
Different last active/closed/open dates : XX/XX/XXXX ( Experian ), XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Equifax ). 
Different reporting dates : XX/XX/XXXX ( TU & EXP ), XX/XX/XXXX ( EQF ). 
Status conflict : Equifax reports Involuntary Repossession Auto while Experian states Merchandise was taken back by credit grantor/there may be a balance due. 
Term duration discrepancy : Equifax reports 0 months vs 66 months for TU/EXP . 
Conflicting payment history : All showing C ( closed ) yet also report a repossession and balance due. 

This is a violation of FCRA 607 ( b ) and FCRA 611, which require information to be complete and accurate, and reinvestigations to be reasonable. 

I am escalating this matter because of so many reinvestigations and still no verified truthful results being reported. The credit bureaus failed to correct and verify this information which I disputed this repossession account ( XXXX XXXX XXXX, account # XXXXXXXX XXXX XXXX XXXX XXXX  ) that contains multiple inconsistencies across all three credit bureaus ( TransUnion, Experian, Equifax ). Despite multiple reinvestigations, the account is still being reported with conflicting open dates, balance details, and payment histories, violating FCRA sections 607 ( b ) and 611. I am requesting the FTC to review this as a failure to conduct a reasonable investigation and failure to ensure accuracy and I am formally requesting the immediate deletion of the account. 

Please respond in writing within 30 days as required by law. 

Sincerely, XXXX XXXX SSN ( Last 4 Digits ) : XXX-XX- [ XXXX ] DOB : [ XX/XX/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