Consumer complaint received 2025-05-30 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT, XXXX XXXX XXXX Date : XX/XX/XXXX To : Transunion/Equifax/Experian Subject : Formal Dispute Inaccurate and Inconsistent Reporting of XXXX XXXX Account Account Name : XXXX  XXXX Account Number : XXXX Consumer : XXXX XXXX DOB : XX/XX/XXXX SSN XXXX Last 4 digits ) : XXXX To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate and inconsistent information being reported on my credit file concerning a closed XXXX XXXX account. 

I am not disputing the existence of the account, but I am disputing the accuracy and consistency of the information reported across all three credit bureaus. I demand an immediate investigation, correction, or deletion of any unverifiable data. 

Summary of Inconsistencies : XXXX. Balance is consistently reported as {$0.00} across all three bureaus, but credit limit is reported as {$2000.00} by TransUnion and Experian, while Equifax reports it as {$0.00}. 

XXXX. Last Activity Date is listed as XX/XX/XXXX, by TransUnion and Experian, but Equifax shows XX/XX/XXXX. 

XXXX. Account XXXX is shown as Credit Card by TransUnion and Experian, but Equifax leaves this field blank. 

XXXX. Remarks vary across all three bureaus : TransUnion : blank Equifax : Account paid for less than full balance Experian : Unpaid balance reported as a loss by credit grantor ; account paid in full for less than the full balance XXXX. Payment History ( XX/XX/XXXX days late ) is reported as : TransUnion : XXXX Equifax : XXXX Experian : XXXX XXXX. Months Reviewed is XXXX on TransUnion, and XXXX on both Equifax and Experian. 

XXXX. Term Source Type is left blank on all three reports. 

XXXX. Terms Count is blank on Equifax and Experian. TransUnion doesnt list a term count field at all. 

XXXX. High Balance differs : TransUnion : {$2300.00} Equifax : {$1200.00} Experian : {$2000.00} XXXX. Monthly Payment is reported as {$0.00} on all three reports. 

XXXX. Amount Past Due is consistently reported as {$0.00}. 

XXXX. Payment History Summary varies : TransUnion : No history available Equifax : Youve made 79 % of payments for this account on time Experian : Youve made 60 % of payments for this account on time Legal Grounds for Dispute The FCRA, under 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), requires credit bureaus to maintain maximum possible accuracy of consumer reports.

Under 611 ( 15 U.S.C. 1681i ) : A consumer has the right to dispute any information they believe is inaccurate, incomplete, or unverifiable. The bureau must complete an investigation within 30 days, unless proven accurate by the furnisher with evidence. 
Additionally, under XXXX ( a ) ( XXXX ) ( A ) : A data furnisher ( such as XXXX XXXX ) may not furnish information to a credit reporting agency if it knows or has reasonable cause to believe the information is inaccurate. 

Case Law Supporting My Rights XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Bureaus can not merely rely on furnishers but must conduct a reasonable reinvestigation. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Failure to correct inaccurate reporting can subject the credit bureau to liability. 

Formal Demand for Action I demand that the following actions be taken : Reinvestigate the XXXX XXXX account on my credit file. 
Delete or correct any information that can not be fully verified with documented evidence.

Provide a Method of Verification ( M.O.V. ) per my right under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), if the item is verified.

Provide written confirmation of your findings within 30 calendar days.

Failure to resolve these errors may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and legal action under FCRA statutes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation