Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
FCRA 609, 611 & 623 Comprehensive Credit Dispute Letter XXXX XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX  XXXX, XXXX, XXXX  XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX  XXXX TransUnion LLC XXXX. XXXX XXXX, XXXX, XXXX  XXXX Subject : Formal Dispute and Request for Reinvestigation and Deletion of Inaccurate Information under FCRA 609, 611, and 623 Dear Credit Bureau Compliance Department, This complaint serves as a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ), specifically sections 609 ( right to full disclosure ), 611 ( right to reinvestigation of disputed information ), and 623 ( furnishers duty to report accurate information ). 

Upon review of my credit reports from Equifax, Experian, and TransUnion ( dated XX/XX/XXXX ), I have identified multiple inconsistencies, errors, and unverifiable accounts that are negatively affecting my credit profile. These inaccuracies violate the FCRA requirement that all information be complete, accurate, and verifiable. 


-- - XXXX. PERSONAL INFORMATION DISCREPANCIES Inaccurate / Outdated Addresses : XXXX XXXX XXXX ( appearing as both XXXX XXXX  XXXX and XXXX XXXX  XXXX inconsistent ) XXXX XXXX XXXX ( address shown as XXXX XXXX  or XXXX XXXX vs. XXXX XXXX inconsistent across bureaus ) Multiple outdated addresses ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. ) still reported by Equifax Request : Please remove all outdated or incorrect addresses and retain only my current and verifiable address. 
Under FCRA 609 ( a ) ( 1 ) ( A ), I have the right to accurate identification information. 


-- - 2. ACCOUNT INACCURACIES AND INCONSISTENCIES The following accounts contain conflicting or unverifiable data across the three bureaus : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX  XXXX XXXX Late-payment history differs ( TransUnion shows 230-day + 160-day ; Experian & Equifax report Current/Was Delinquent 60 Days ). Balance ( {$590.00} {$650.00} ) and limit ( {$600.00} {$800.00} ) inconsistent EQ/EX/TU XXXX XXXX XXXX XXXX XXXX XXXX Credit Card TransUnion lists 130-day late ; Equifax shows none ; Experian shows 130-day late and previously in dispute resolved by subscriber. Balances and activity dates disagree EQ/EX/TU XXXX XXXX XXXX XXXX XXXX XXXX Marked Closed by grantor on Equifax, but Dispute resolved subscriber disagrees on TransUnion ; Experian shows current/was delinquent 60 days past due. Conflicting status violates FCRA 623 ( a ) ( 1 ) ( A ) EQ/EX/TU XXXX XXXX XXXX XXXX  Reported as Charge-Off on all three bureaus but with different activity dates ( Experian XX/XX/XXXX ; TransUnion XX/XX/XXXX ; Equifax XX/XX/XXXX ) and different payment histories ( 4560 % on-time ) EQ/EX/TU XXXX  ( XXXX  ) XXXX XXXX Equifax and TransUnion mark as Closed/paid as agreed, Experian shows Consumer disagrees. Inconsistent resolution language EQ/EX/TU XXXX XXXX XXXX XXXX XXXX Only Experian shows Charge-off / paid less than full balance, but no supporting record exists on Equifax or TransUnion unverified tradeline EX only -- - 3. COLLECTIONS & DEROGATORY REPORTING XXXX XXXX and XXXX XXXX XXXX charge-offs are inconsistent and unverifiable. 
These appear to be duplicate or outdated negative entries. 

Collections ( 1 item ) reported by Equifax but missing from Experian and TransUnionsuggesting incorrect reporting. 


Request : Delete or verify in writing all charge-off and collection items with full documentation from the data furnishers. 
If not verified within

30 days, remove them entirely under 611 ( a ) ( 5 ) ( A ). -- - 4. OTHER DISPUTED ITE MS Employment Information : Some bureaus list XXXX XXXX while others list XXXX XXXX XXXX. Only the latter is accurate. 

Multiple account remarks indicate prior disputes ( Consumer Disputes After XXXX, XXXX Disagrees, etc. ) which must be removed under 611 ( a ) ( 5 ) ( B ) once the dispute is resolved. 



-- - Requested Actions ( FCRA 609, 611, 623 ) 1. Conduct a complete reinvestigation of every item listed above. 


2. Delete any information that can not be fully verified or substantiated by original creditor documentation.

3. Provide me with : A new copy of my credit reports showing all changes made. 

The name, address, and phone number of each furnisher contacted. 

Written verification of each item retained, including source documentation. 




If any furnisher fails to verify under 623 ( b ), you are required to delete the entry immediately. 
Please note that failure to comply may result in civil liability under 616 and 617 of the FCRA. 


-- - Enclosures : Proof of current address Copies of disputed report pages highlighting the inaccurate entries -- - 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