Consumer complaint received 2025-05-21 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:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : TransUnion/Equifax/Experian XXXX XXXX Formal Dispute and Request for Deletion XXXX  XXXX Account Creditor : XXXX  XXXX Account Number : XXXX To Whom It May Concern, I am formally disputing the accuracy and completeness of the XXXX  XXXX account listed above, as reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I have the right to expect accurate, complete, and verifiable information on my credit reports. This account is filled with contradictory, incomplete, and unverifiable information across the XXXX major credit bureaus. 

Basis for Dispute : This XXXX XXXX account contains multiple material inconsistencies in its reporting across TransUnion, Experian, and Equifax : Different dates of last activity : TransUnion reports XX/XX/XXXX ; Equifax reports XX/XX/XXXX ; Experian reports XX/XX/XXXX. 

Account Type Discrepancy : Reported as credit card only by TransUnion blank for both Equifax and Experian. 

Inconsistent Remarks : TransUnion : XXXX Equifax : Charged-off account Experian : Unpaid balance reported as a loss by credit grantor ; account closed at credit grantor 's request Payment History Contradictions : TransUnion : XXXX ( XX/XX/XXXX days late ) Equifax : XX/XX/XXXX Experian XXXX XXXX High Balance Reporting : TransUnion : {$330.00} Equifax : {$150.00} Experian : {$0.00} Months Reviewed : TransUnion : XXXX Equifax & Experian XXXX XXXX Monthly Payment : XXXX  bureaus show {$0.00}, which is implausible for a revolving credit card account. 

On-time Payment Percentages : TransUnion : XXXX Equifax XXXX XXXX % Experian : XXXX  % These conflicting entries clearly violate multiple provisions of the FCRA, including : 15 U.S.C. 1681e ( b ) Mandates that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) Requires prompt and complete reinvestigation of disputed data.

15 U.S.C. 1681s-2 Holds data furnishers accountable for supplying accurate and updated information.

Requested Action : Because of the extensive discrepancies, missing information, and unverifiable elements present in this XXXX XXXX account, I am formally requesting : Immediate reinvestigation of this account under FCRA 1681i. 
Permanent deletion of this account from all three credit bureaus if it can not be 100 % verified as accurate, complete, and consistent.

If the account is verified as accurate, I request a full Method of Verification ( MOV ) under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), including : Name, address, and phone number of the data furnisher. 
Documentation used in the verification process. 
Explanation of how the verification was conducted. 

Attached Is a copy of my passport for verification, my XXXX for proof of address and employment and a highlight of inconsistencies being reported by this account to all XXXX credit bureaus. 

I am including a copy of my government-issued photo ID and proof of current address to verify my identity. Please consider this my formal dispute and demand for correction or deletion under the FCRA. 

Final Notice : If this account is not corrected or removed within 30 days, I reserve the right to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General, or pursuing further legal action as permitted under federal law. 

Thank you for your attention and compliance. 

Sincerely, XXXX 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