Consumer complaint received 2025-05-22 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 XXXXXXXX XXXX XXXX NY XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Reinvestigation Request XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX ( Under FCRA 1681e ( b ), 1681i, and 1681s-2 ) Dear Experian and Equifax, This is a formal reinvestigation request pursuant to the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 1 ) ( A ) based on multiple material and unresolved inconsistencies in the data reported by XXXX XXXX XXXX regarding account number # XXXXXXXX XXXX XXXX. If this account has previously been verified, I am now providing new and unaddressed inconsistencies requiring full reinvestigation. 

I am demanding a thorough reinvestigation and requesting the immediate deletion of this account due to the materially conflicting and unverifiable data reported by your agencies. 

Key Issues and Legal Basis for Dispute : 1. Suspected Double Reporting by XXXX XXXX XXXX : I have another account from this same debt collector under account number # XXXXXXXX XXXX XXXX XXXX XXXX, which reports identical inconsistencies. The fact that both accounts appear under the same furnisher with similar reporting patterns but different numbers and amounts raises serious concerns of duplicate reporting, which is prohibited under the FCRA. This tactic can mislead creditors and artificially inflate derogatory impact. 

2. Account Type Misclassification : Both Experian and Equifax report the account as an " Open '' account, which is misleading and inaccurate for a collection account. A collection account can not legally be classified as Open, as the original credit relationship has been terminated.

3. Inconsistent Terms : Experian reports the number of months ( terms ) as 1, while Equifax reports 0. This inconsistency implies that no reliable contract terms exist, further calling the data 's accuracy into question.

4. Conflicting Payment Status : Experian lists the payment status as " Collection/Charge-Off '', while Equifax states " 120 Days Late. '' It is impermissible and misleading for an account to simultaneously be open and in collections or charged off. This is a clear violation of FCRA 1681e ( b ), which mandates credit information to be reported with maximum possible accuracy.

5. Discrepant Reporting Dates : Experian last reported the account on XX/XX/XXXX, while Equifax last reported it on XX/XX/XXXX. Accurate and synchronized data is critical, and such discrepancies only support the conclusion that this data is unreliable. 

6. Conflicting Comments : Experian states : Account seriously past due date/account assigned to attorney, collection agency, or credit grantors internal collection department, while Equifax simply XXXX XXXX Account. The narrative and severity presented differ between bureaus, raising further questions about the legitimacy of the data source and accuracy. 

7. Different Dates of Last Activity : Experian reports the date of last activity as XX/XX/XXXX, while Equifax reports it as XX/XX/XXXX. The date of last activity is a fundamental element that affects account aging and must be consistent across all agencies under FCRA 1681e ( b ).

8. Missing/Conflicting Payment Dates : Equifax reports a date of last payment as XX/XX/XXXX, while Experian fails to report a date altogether. This material omission affects validation, collection timing, and consumer rights under the statute of limitations. 

9. Two-Year Payment History Conflicts : Experian reports charge-offs from XX/XX/XXXX to XX/XX/XXXX, indicating persistent delinquency. 
Equifax reports OK from XX/XX/XXXX to XX/XX/XXXX, with XX/XX/XXXX being blank, which falsely indicates timely payments. 
These can not coexist and directly conflict with one another, violating FCRA 1681i ( a ) ( 1 ) ( A ) regarding reinvestigation procedures when information is disputed and found to be inconsistent or unverifiable. 

DEMAND FOR ACTION : Due to the above-stated reasons and the legal standards outlined under the FCRA, I am demanding : The immediate deletion of this account ( # XXXX XXXX XXXX XXXX ) from both my Experian and Equifax reports . 

Do not merely update or verify the account without directly addressing each inconsistency identified above. 

If your investigation leads you to retain the account, I am invoking my right under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) to request the full Method of Verification ( MOV ), including : The name, address, and contact details of the furnisher who verified this account ; A full description of the procedures used to verify the accounts accuracy ; Copies of all documents, account statements, contracts, and records used in the verification process.

NOTICE OF FCRA NONCOMPLIANCE : Be advised that any failure to delete or correct inaccurate, unverifiable, or conflicting information will be seen as willful noncompliance with the FCRA. I reserve my rights to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the New York State Attorney Generals Office, and/or pursue civil litigation under FCRA 1681n and 1681o.

Please provide a full written response and resolution within the 30-day timeframe mandated by federal law.

Attached is a copy of my state identification for verification and my bank statement for proof of address. Also attached is highlights verifying the multiple inconsistencies on my consumer report being reported to the credit reporting agencies listed above. 

Sincerely, 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