Consumer complaint received 2025-06-16 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX EMAIL : XXXX XXXX : XX/XX/XXXX SSN : XXXX PHONE NUMBER : XXXX Date : XX/XX/XXXXXXXX  To Whom It May Concern, I am formally disputing the accuracy and completeness of a tradeline reported by XXXX XXXX XXXX, account number XXXX, as it appears on my credit reports with TransUnion, Experian, and Equifax. 

Upon reviewing my credit files, I discovered multiple inconsistencies in the way this single account is being reported across the three credit bureaus, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ), which mandates that all information reported be complete and accurate. 

I request an immediate reinvestigation of this account. Furthermore, under FCRA Section 611 ( a ) ( 7 ), I am exercising my right to request a description of the procedure used to determine the accuracy and completeness of the information, also known as the method of verification. If this account can not be fully verified with accurate and consistent documentation, I demand that it be deleted in full from all three credit reports in accordance with FCRA guidelines.

Disputed Inaccuracies in Reporting : 1. Highest Balance TransUnion & Experian : {$17000.00} Equifax : {$16000.00} 2. Date of Last Activity TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Remarks TransUnion : No remarks reported Equifax : Charged Off Account Experian : Unpaid Balance Reported as a Loss by XXXX XXXX 4. Times 30/60/90 Days Late TransUnion : XXXX Equifax : XX/XX/XXXX Experian : XXXX XXXX. Months Reviewed TransUnion : XXXX Equifax : XXXX Experian : XXXX XXXX. Payment History TransUnion : No history available Equifax : Youve made 100 % of payments for this account on time Experian : Youve made 0 % of payments for this account on time These grossly conflicting data points violate FCRA Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

Additionally, under Cushman v. TransUnion Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court found that a consumer reporting agency violates the FCRA when it fails to conduct a reasonable reinvestigation after being informed of inaccurate information. This precedent directly applies here due to the significant and conflicting nature of this accounts data. 

In accordance with FCRA Section 611 ( a ) ( 5 ) ( A ), if you are unable to verify the disputed information, you must promptly delete it from my credit file. Furthermore, I request the method of verification, including : The name and address of the entity you contacted The manner in which the verification was conducted ( e.g., electronic verification, faxed records, phone call, etc. ) A copy of the verified documentation used Please consider this a formal dispute and request for investigation as provided by the FCRA. I expect written confirmation of the results of your reinvestigation within 30 days, as mandated by law.

Attached is a copy of my state id for proof of identity a copy of my utility for proof of address a highlighted screen shot of the account showing inconsistencies to all 3 credit bureaus.

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