Consumer complaint received 2025-08-13 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Formal Dispute Under FCRA Inaccurate Reporting of XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern : I am formally disputing the accuracy and completeness of the above-referenced account on my Experian credit file. This account contains material inconsistencies across the three major credit bureaus, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), including 1681i, 1681s-2 ( a ) ( 1 ) ( A ), and 1681e ( b ).

Below are the documented discrepancies : Conflicting Last Activity Dates TXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian : XX/XX/XXXX This discrepancy materially affects the age and relevance of the account. 

Conflicting Status Reporting XXXX  : Open XXXX XXXX Refinanced Experian : Charge Off An account can not simultaneously be open, refinanced, and charged off. This violates FCRA 623 ( a ) ( 1 ) ( A ) reporting information with knowledge of inaccuracy.

Discrepancies in Most Recent Adverse Rating XXXX XXXX Collection/Charge-off XXXX  : No data available Experian : Collection/Charge-off Missing and contradictory data creates an incomplete and misleading picture, violating FCRA 1681e ( b ) ( duty to ensure maximum possible accuracy ). 

Conflicting Comments/Remarks XXXX  : " Placed for Collection 'XXXX XXXX XXXX XXXXXXXX Refinanced '' Experian : " Unpaid Balance Reported As A Loss By Credit Grantor '' These remarks reflect entirely different handling statuses, further proving inaccuracy.

No Payment History Across All Bureaus The absence of any payment history prevents verification of proper delinquency reporting and raises concerns over the integrity of the account data. 

Term Source Type Missing All three bureaus list this field as blank, further showing incomplete and unverifiable account data.

Applicable Laws and Case Support : FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or reasonably should know is inaccurate.

FCRA 1681e ( b ) : Requires credit bureaus to maintain procedures to ensure maximum possible accuracy.

FCRA 1681i ( a ) ( 1 ) ( A ) : Requires a reasonable reinvestigation of disputed information. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Found that reporting inconsistent data across agencies without correction constitutes inaccuracy under the FCRA. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Misleading or contradictory reporting constitutes inaccuracy under the FCRA. 

Requested Action : I am requesting that Experian immediately conduct a thorough reinvestigation of this account. If the account is verified as accurate, provide the full Method of Verification ( MOV ), including : The name of the person contacted The documents relied upon The date and manner of verification If you can not resolve the inconsistencies, the account must be deleted in its entirety from my credit file as required by FCRA 1681i ( a ) ( 5 ) ( A ).

You are required by law to complete your reinvestigation within 30 days of receiving this notice. Failure to comply will result in formal complaints to the CFPB and potential legal action under FCRA 1681n and 1681o.

Attached : Copy of passport ( proof of identity ) Copy of utility bill ( proof of address ) 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