Consumer complaint received 2025-01-12 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: PA

Complaint narrative:
Formal Dispute of Inaccurate Information in Credit Reports To Experian, I am writing to formally dispute several significant inaccuracies in my credit reports from XXXX and XXXX. These inaccuracies directly violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that all information reported must be accurate, complete, and verifiable. The detailed discrepancies below demonstrate clear violations, and I demand immediate deletion of these inaccuracies from my credit reports. 
Discrepancies and Violations : 1. Account Reporting Start Date : * XXXX began reporting this account in XX/XX/XXXX, while TransUnions reporting starts in XX/XX/XXXX, leaving a gap in TransUnions reporting. This inconsistency violates 15 U.S.C. 1681e ( b ), which requires credit reporting agencies to maintain accurate and complete information. 
2. XX/XX/XXXX : * XXXX reports a 30-day late payment, while XXXX reports an on-time payment. This conflict violates the requirement for accuracy under XXXX XXXX. XXXX ( b ). 
3. XX/XX/XXXX : * XXXX reports a 30-day late payment, while XXXX reports an on-time payment. This discrepancy is a violation of 15 U.S.C. 1681e ( b ) and must be resolved. 
4. XX/XX/XXXX : * XXXX reports a 30-day late payment, while XXXX reports an on-time payment. This conflicting information fails to meet the accuracy standards outlined in 15 U.S.C. 1681e ( b ). 
5. XX/XX/XXXX : * XXXX reports a 30-day late payment, while XXXX reports a 60-day late payment. This inconsistency is inaccurate and unverifiable, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
6. XXXX, XXXX, and XX/XX/XXXX : * XXXX reports 60-day late payments for all three months. 
* XXXX reports XX/XX/XXXX as 30 days late, while XXXX and XX/XX/XXXX are reported as 60 days late. 
* These conflicting reports violate the accuracy and completeness requirements under 15 U.S.C. 1681e ( b ). 
Demands for Resolution : 1. Immediate Deletion of All Inaccurate Entries : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), unverifiable or inaccurate data must be deleted. These discrepancies demonstrate clear violations of my rights and require immediate removal. 
2. Provision of Verification Documentation : Furnish all documentation that substantiates the accuracy of the reported information. If no such evidence exists, deletion is mandatory per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 
3. Cease Communication Outside CFPB Portal : All communications regarding this dispute must occur exclusively through the CFPB portal for documentation purposes, as stipulated under 15 U.S.C. 1681s-2. 
Notice of Intent to Escalate : Please be advised that I have retained legal counsel and am fully prepared to pursue all available legal remedies under the FCRA and other applicable laws. If these issues are not resolved promptly and accurately within the statutory timeframe of 30 days, I will escalate this matter further by filing complaints with the CFPB, FTC, and state regulatory agencies, as well as pursuing potential litigation. 
Attached to this letter are screenshots of my XXXX and XXXX credit reports highlighting the disputed items for your reference. These inaccuracies are blatant violations of federal law, and I expect immediate action to rectify this matter. 
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