Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX Email : XXXX Phone : XXXX XX/XX/XXXX TransUnion/Equifax/Experian Subject : Formal Dispute of Inaccurate Reporting Demand for Immediate Deletion To Whom It May Concern, I am formally disputing the inaccurate and inconsistent reporting of the following account appearing on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15U.S. Code 1681i ) and XXXX  Business and Commerce Code 20.06, I demand a full investigation and the immediate deletion of this erroneous information. 

Disputed Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Credit Bureaus Affected : TransUnion, Equifax, Experian Reason for Dispute : Multiple reporting errors and data inconsistencies violating FCRA regulations Upon reviewing my credit report, I have identified several discrepancies that directly violate federal and state accuracy requirements, making this account unverified and unreliable.Below are the errors : Identified Reporting Inconsistencies : 1 Conflicting Last Activity Dates : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX A single account can not legally have multiple different last activity dates. 

2 High Credit Amount Discrepancy : TransUnion & Experian : {$26000.00} Equifax : {$0.00} This inconsistency violates FCRA 1681e ( b ), which mandates accuracy.

3 Payment History Errors : Equifax : Reports 54 % of payments made Experian : Reports XXXX % of payments made This discrepancy proves unreliable and unverifiable reporting.

4 Contradictory Charge-Off Remarks : TransUnion : Profit & Loss Writeoff Equifax : Charged Off Account Experian : Unpaid Balance Reported As A Loss By Credit Grantor Which is it? This conflicting information proves inaccurate data handling. 

XXXX Terms Count and Monthly Payment Inconsistencies : TransUnion & Equifax : XXXX term Experian : XXXX term The same account can not legally reflect XXXX different term lengths. 

Additionally, a {$0.00} monthly payment is reported despite prior payments. 

XXXX Late Payment Reporting Errors : TransUnion : XXXX for XX/XX/XXXX days late Equifax : XX/XX/XXXX for XX/XX/XXXX days late Experian : XXXX for XX/XX/XXXX days late Equifax : Reports on-time payment for XX/XX/XXXX Experian : Reports cc ( inconclusive ) for XX/XX/XXXX TransUnion : Reports No Payment History Inconsistent, unverifiable, and inaccurate payment data. 

XXXX Payoff Balance Mismatch : TransUnion & Equifax : {$0.00} balance ( fully paid ) Experian : 10 % remaining balance The same account can not legally show XXXX different payoff statuses. 

Legal Basis for Immediate Deletion : FCRA 1681e ( b ) Credit reporting agencies must ensure maximum possible accuracy.

FCRA 1681s-2 ( a ) Prohibits furnishers from reporting inaccurate information.

FCRA 1681i ( a ) Requires the removal of information that is inaccurate, incomplete, or unverifiable. 

XXXX Business and Commerce Code 20.06 Mandates reinvestigation and correction or deletion within 30 business days.

Demand for Resolution : Due to the excessive and legally noncompliant errors associated with this account, I demand its immediate and permanent deletion from my credit report.

If you claim this account is verified and refuse to delete it, I require the following supporting documentation as proof of verification : 1 A detailed step-by-step breakdown of your verification process.

2 The name and contact information of the party who verified the account.

3 Original signed contracts or agreements proving my authorization of this account.

4 Proof of accurate data transmission from the original creditor.

5 Itemized and timestamped payment history records directly from the creditor.

Failure to provide concrete proof of verification will constitute willful noncompliance with FCRA and XXXX  consumer laws. 

Next Steps if Not Resolved : If this dispute is not handled in accordance with federal and state laws, I will escalate by : Filing formal complaints with the CFPB, FTC, and XXXX Attorney General. 

Seeking legal action against your agency for FCRA violations. 

I expect written confirmation of the accounts deletion at my listed address. 

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