Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : XXXX Subject XXXX Formal Dispute of Inaccurate Information and Request for Immediate Investigation and Deletion under the FCRA Account in Dispute : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Dear TransUnion, Experian, and Equifax Dispute Departments, I am formally disputing the accuracy of the above-referenced account appearing on my credit reports. This account contains multiple conflicting entries across your respective bureaus, violating the Fair Credit Reporting Act ( FCRA ) and my rights under federal law. I hereby request its immediate deletion unless verified in full compliance with the FCRA.

1. Inconsistencies in Reporting Across Bureaus : Account Type : * TransUnion : Collection * Experian : Collection * Equifax : Open Account Date Opened : * TransUnion : XX/XX/XXXX * Experian : XX/XX/XXXX * Equifax : XX/XX/XXXX Terms ( Months ) : * TransUnion : Blank * Experian : XXXX * Equifax : 0 months XXXX XXXX : * TransUnion : Blank * Experian : Blank * Equifax : {$0.00} Past Due Amount : * TransUnion : Blank * Experian : Blank * Equifax : {$450.00} Payment Status : * TransUnion : Collection/Chargeoff * Experian : Collection/Chargeoff * Equifax : XXXX  Days XXXX Last Reported Date : * TransUnion : XX/XX/XXXX * Experian : XX/XX/XXXX * Equifax : XX/XX/XXXX Comments XXXX * TransUnion : Placed for Collection * Experian : Blank * Equifax : Collection Account XXXX Last Active : * TransUnion : XX/XX/XXXX * Experian : XX/XX/XXXX * Equifax : XX/XX/XXXX Date of Last Payment : * TransUnion : Blank * Experian : Blank * Equifax : XX/XX/XXXX Two-Year Payment History : * TransUnion : Blank * Experian : Blank * Equifax : Reports OK from XX/XX/XXXX to XX/XX/XXXX an obvious contradiction for a collection account.

2. Legal Grounds for Dispute : * FCRA 602 ( A ) : Credit reporting must be fair and accurate. Conflicting data across bureaus violates this standard.

* FCRA 611 ( 15 U.S.C. 1681i ) : You must conduct a reasonable reinvestigation. These inconsistencies can not simultaneously be accurate.

* FCRA 607 ( b ) : Credit reporting agencies and furnishers must ensure maximum possible accuracy. Internal contradictions like listing an account as both " open '' and in " collections '' directly violate this requirement.

* FCRA 611 ( a ) ( 7 ) : I invoke my right to a Method of Verification ( MOV ) if this account is not removed.

This includes : - The name and address of the party who verified the data- The method used for verification - A copy of the original documentation used, as referenced in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX. Action Requested : Given the extensive reporting contradictions and legal violations above, I respectfully request that you : * Permanently delete this account from my credit file within 30 days, as required by the FCRA ; OR * If you choose to verify the account, provide complete documentation including the Method of Verification and supporting records that justify the accounts continued reporting. 

Please submit your resolution and findings through the Consumer Financial Protection Bureau portal ( www.cfpb.gov ), where this dispute is formally filed and tracked. 

Failure to comply may result in complaints to the CFPB, FTC, and my states Attorney General, and I will pursue all remedies available under the law.

4. Identification and Documentation : To assist in your investigation, I am providing : * A copy of my government-issued ID * A recent bank statement bill as proof of address * Highlights of the inconsistencies being reported from this account to all XXXX credit bureaus Thank you for your prompt attention. I look forward to your resolution via the CFPB portal within the time frame required by federal 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