Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX SSN ( last 4 ) : XXXX Creditor/Collector : XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Number ( s ) : XXXX / XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate & Inconsistent Reporting Under the FCRA & Request for Validation I am writing to formally dispute the accuracy and completeness of a collection account reported by XXXX XXXX XXXX on my credit reports. Upon reviewing my reports from Equifax, Experian, and TransUnion, I have identified multiple critical inconsistencies and irregularities, outlined below. 

Additionally, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to request debt validation and a detailed method of verification ( MOV ) if this account is verified as accurate. 

1. Inconsistencies Identified Across Bureaus Account Number Format : TransUnion : XXXX Equifax & Experian : XXXX This mismatch raises a red flag for account misattribution or multiple tradelines being misrepresented as one. 

2. Last Activity Date : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX A genuine account should not report three different last activity dates for the same tradeline. 

3. Original Creditor Field : TransUnion : XXXX XXXX Equifax & Experian : Blank The absence of the original creditor on two bureaus violates FCRA XXXX ( a ) ( 1 ), which requires disclosure of the source of information. 

4. Term Source Type : TransUnion & Equifax : Not Reported Experian : Provided Another example of inconsistent data that could materially affect the creditworthiness interpretation. 

XXXX. Account Status : TransUnion XXXX Equifax : Open Experian : Charge-Off This is directly contradictory and can not simultaneously be both. 

XXXX. Most Recent Adverse Rating : TransUnion & Experian : XXXX Equifax : No Data XXXX FCRA XXXX ( b ) requires maximum possible accuracy. Clearly, this standard is not met. 

XXXX. Comments Section : TransUnion : Placed for collection Equifax : Collection Account Experian : Unpaid balance reported as a loss by XXXX XXXX Each implies a different nature of delinquency and status. 

XXXX. Payment History : TransUnion : No history reported Equifax : 100 % of payments made on time Experian : 0 % of payments made on time These statements are irreconcilable and misleading to potential creditors. 

FCRA and FDCPA Violations Cited FCRA XXXX ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy. 

FCRA XXXX ( a ) ( XXXX ) & ( a ) ( XXXX ) : XXXX has a right to know the source and nature of any information being reported. 

FCRA XXXX ( a ) ( XXXX ) : XXXX must reinvestigate disputed information and correct or delete inaccurate or unverifiable data within 30 days. 

FDCPA XXXX ( b ) : I have the right to request validation of any debt being collected. 

Case Law Support : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reinforces CRA duty to verify accuracy, not merely confirm from the furnisher. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Establishes that XXXX must provide meaningful validation upon request. 

My Formal Request XXXX deletion of this account from all bureaus if XXXX XXXX XXXX or the bureaus can not : XXXX. Validate the debt with competent documentation ( signed agreement, chain of assignment, etc. ) XXXX. Rectify all inconsistencies across reporting agencies. 

XXXX. If the account is verified, I demand : A full Method of Verification ( MOV ) under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) The name, phone number, and address of the party who verified the information The procedures used to determine the information was accurate I request this dispute and all supporting documentation be attached to my consumer file under FCRA XXXX ( b ) should this tradeline not be removed. 

Supporting Documentation I have attached screenshots of the inconsistent tradeline data from all three bureaus, my state identification for proof of identity and my bank statement for proof of address. 

Time-Sensitive Notice As required by FCRA XXXX, you have 30 days to resolve this dispute. If not, I reserve the right to escalate this matter by filing complaints with : The Federal Trade Commission ( FTC ) My state attorney general And taking private legal action under XXXX XXXX Code XXXX and XXXX for willful or negligent noncompliance. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email : XXXX Phone : 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