Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX XXXX : XX/XX/XXXX SSN ( last four ) : XXXX Email : XXXX Phone : XXXX XXXX To Whom It May Concern, I am formally writing to dispute inaccurate and inconsistent information being reported regarding a XXXX XXXXXXXX account ( # XXXX ). This account is currently being reported on my credit file with TransUnion, Equifax, and Experian, and the inconsistencies between these reports are numerous and significant. I am requesting that this account be immediately investigated and deleted from my credit file under the Fair Credit Reporting Act ( FCRA ) due to its unverifiable and conflicting nature. 

ACCOUNT DETAILS AND INCONSISTENCIES : Account Number : XXXX Creditor : XXXX XXXX Date of Last Activity TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX Conflicting last activity dates across bureaus. 
Account Type TransUnion : Credit Card Equifax : [ Blank ] Experian : Charge Account Charge Account and Credit Card are materially different classifications under FCRA. 
Remarks TransUnion : [ Blank ] Equifax : Charged-Off Account Experian : " Unpaid balance reported as a loss by credit grantor. Account closed at credit grantors request. '' Discrepancies in the account remarks raise concerns about accurate reporting.

Month Reviewed TransUnion : 0 Equifax : 31 Experian : 32 There is a significant difference in account history or review periods.

High Balance TransUnion : {$15000.00} Equifax : {$15000.00} Experian : {$0.00} Experian reports {$0.00}, which is inconsistent with other bureaus.

High Credit TransUnion : {$7500.00} Equifax : {$0.00} Experian : {$7500.00} Equifax shows {$0.00}, while other bureaus do not.

Payment History TransUnion : No payment history available Equifax : 71 % on-time payments Experian : 40 % on-time payments Late Payments ( 30/60/90 Days Late ) TransUnion : XXXX Equifax : XX/XX/XXXX Experian : XXXX These discrepancies in late payment reporting are substantial and materially impact the perceived creditworthiness of the consumer. The differences raise serious questions about the accuracy and consistency of this data across the three credit bureaus.

Three completely different reporting styles for payment history.

LEGAL BASIS FOR DISPUTE : Under 15 U.S. Code 1681i of the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable investigation when a consumer disputes the completeness or accuracy of any information. This also includes : Under 15 U.S.C. 1681e ( b ), all consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

The reporting of materially inconsistent data across multiple bureaus constitutes a violation of your obligations under FCRA.

In accordance with the Fair and Accurate Credit Transactions Act ( FACTA ), which amended the FCRA, consumers are entitled to dispute inaccurate information and receive proper documentation of how it was verified.

Continued reporting of inconsistent and unverifiable information after notice of dispute can result in legal liability and penalties under both FCRA and FACTA.

STATEMENT OF HARM : Due to these materially inconsistent reports, I have suffered denials for credit, increased interest rates, and reputational damage based on unreliable and conflicting account data. This has directly impacted my ability to obtain affordable credit and has caused undue stress and financial strain. I assert my right under federal law to have inaccurate information removed immediately to prevent further harm.

REQUESTED ACTION : Given the discrepancies noted above and your duty to maintain accurate and verifiable information under the FCRA, I am demanding the immediate deletion of this Capital One account from my credit report with your bureau.

Should this account be verified as accurate, I am formally requesting the Method of Verification ( MOV ) as allowed under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This includes : The name, address, and contact information of the entity who verified the information.

Documentation used in the verification process.

ENCLOSURES : A copy of my drivers license A copy of a recent utility bill ( proof of address ) A copy of the credit report showing the disputed account Please consider this a formal dispute, and respond to me in writing within 30 days of receipt as required by federal law. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX | SSN : XXXX XXXX XXXXXXXX Phone : XXXX | Email : 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