Consumer complaint received 2025-04-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX To : TransUnion/Equifax/Experian Subject XXXX Formal Dispute and Request for Immediate Investigation Regarding Inaccurate Information on Credit Report Dear TransUnion XXXX Equifax XXXX and Experian XXXX I am writing to dispute inaccurate and incomplete information on my credit reports, specifically regarding the account listed below : Account Information Creditor : XXXX Account Number : XXXX Account Type : Automobile Loan Date Opened : XX/XX/XXXX Balance Reported : {$8100.00} Last Activity Date : XX/XX/XXXX XXXX : Closed Remarks : Repossession/Foreclosure Under the Fair Credit Reporting Act ( FCRA ), I am requesting an immediate investigation into the following discrepancies across my reports with TransUnion, Equifax, and Experian : 1 . Last Activity Date ( FCRA 609 ( a ) ( 1 ) ) Discrepancy : TransUnion : XX/XX/XXXX Equifax : XXXX XXXX, XXXX Experian : XX/XX/XXXX Demand : Please provide documentation validating the correct date. If not verifiable, remove the account. 

2. Account Type ( FCRA 609 ( a ) ( 1 ) ) Discrepancy : TransUnion : Auto Loan Equifax & Experian : Automobile Demand : Provide verification of the correct account type. If unverified, remove the account. 

3. Account Responsibility ( FCRA 609 ( a ) ( 1 ) ) Discrepancy : Experian reports Undesignated Demand : Update or remove if unverifiable.

4.Remarks ( FCRA 607 ( b ) ) Discrepancy : TransUnion : Repossession/Foreclosure Equifax : Involuntary Repossession Experian : Merchandise was taken back by grantor Demand : Provide supporting documentation or remove inconsistent remarks.

5.Times 30/60/90 Days Late ( FCRA 607 ( b ) ) Discrepancy : TransUnion : XXXX Equifax : XX/XX/XXXX Experian XXXX XXXX Demand : Validate accurate history. If unverifiable, remove. 

6. Months Reviewed ( FCRA 607 ( b ) ) Discrepancy : TransUnion : 0 Equifax : 78 Experian : 79 Demand : Provide validation or remove the record.

7. Term Count ( FCRA 609 ( a ) ( 1 ) ) Discrepancy : Listed as 70 months Demand : Verify or delete if unsupported.

8. Term Source Type ( FCRA 609 ( a ) ( 1 ) ) Discrepancy : Listed as Provided with no documentation Demand : Support with documentation or remove.

9. High Balance ( FCRA 609 ( a ) ( 1 ) ) Discrepancy : {$21000.00} Demand : Verify with official record or correct.

10. High Credit ( FCRA 609 ( a ) ( 1 ) ) Discrepancy : Lis
ted as {$0.00} 11. Demand : Confirm accuracy or update with real data. Current Payment Status ( FCRA 607 ( b ) ) Discrepancy : " Repossession/Foreclosure '' may contradict other data Demand : Provide evidence or remove the remark.

12. Amount Past Due ( FCRA 609 ( a ) ( 1 ) ) Discrepancy : {$8100.00} does not align with {$21000.00} high balance Demand : Provide supporting calculation or correct/remove.

13. Payment History ( FCRA 607 ( b ) ) Discrepancy : Gaps from XX/XX/XXXX to XX/XX/XXXX Demand : Supply full payment history or delete the entry. 

- Method of Verification Request ( FCRA 611 ( a ) ( 6 ) ) Given the above discrepancies, I request the Method of Verification used to validate this account. If you can not provide proof of accuracy and verification, I demand its immediate deletion. 

Conclusion In accordance with the FCRA, I request that you complete this investigation within 30 days of receipt of this letter. If you can not verify the accuracy of the information, you are required to remove it from my credit file. 

Please send written confirmation of the results of your investigation or give details of it on XXXX. Failure to resolve this matter may result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) at www.consumerfinance.gov. 

Thank you for your attention to this matter. 

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