Consumer complaint received 2025-09-07 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:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email : XXXX Phone : XXXX To : TransUnion Consumer Solutions XXXX. XXXX XXXX, XXXX, PA XXXX Experian XXXX Relations XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate and Misleading Cross-Bureau Reporting XXXX XXXX XXXX Credit Card ) ( FCRA 1681e ( b ), 1681i ) Dear Credit Bureau XXXX XXXX am disputing the accuracy and completeness of the XXXX XXXX XXXX credit card ) tradeline on my consumer credit file. The reporting is inconsistent across bureaus and misleading under XXXX XXXX. XXXX ( b ) ( maximum possible accuracy ) and XXXX XXXX. XXXX ( duty to reinvestigate ). 

-- - # # # Account in Dispute Creditor : XXXX XXXX ( Credit Card ) Account Number ( XXXX ) : - TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Disputed Items and Specific Errors XXXX ) * * Account Numbers inconsistent formatting/content * * Each bureau is reporting a different masked account identifier. Please verify the * * single correct account number * * and update all files to match.

2 ) * * Account Type vs. Status/Comments Open Account label conflicts with Closed by Consumer * * - * * Account Type * * shows Open Account at all three bureaus. 
- * * XXXX XXXX * * is XXXX and * * Comments * * state the account was Closed at Consumers Request. 
The XXXX Account label is inaccurate and misleading for a closed account. Please correct the classification to XXXX XXXX XXXX. 

3 ) * * Account Type Detail missing at Equifax * * - TransUnion & Experian : Credit Card - Equifax : blank Please correct XXXX  to reflect Credit Card.

4 ) XXXX XXXX XXXXate Opened conflicting dates * * - TransUnion : XX/XX/XXXX- XXXX XXXX XXXX  : XX/XX/XXXX A single account can not have XXXX opening dates. Please verify and correct. 

5 ) * * High Credit contradictory values * * - TransUnion & XXXX  : {$21.00} - Equifax : {$2500.00} This inconsistency must be corrected to the true highest balance.

6 ) * * Credit Limit contradictory values * * - TransUnion & XXXX  : {$2500.00} - XXXX  : {$0.00} A {$0.00} credit limit is inaccurate. Please correct to {$2500.00}.

7 ) * * Last Reported conflicting dates * * - TransUnion & XXXX  : XX/XX/XXXX - Equifax : XX/XX/XXXX Please verify and report the correct date. 

8 ) * * Date Last Active conflicting dates * * - TransUnion : XX/XX/XXXX - XXXX  : XX/XX/XXXX - XXXX  : XX/XX/XXXX These can not all be correct. Please verify and correct. 

XXXX ) * * Date of Last Payment conflicting dates * * - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Please verify the true date of last payment and update consistently. 

10 ) * * XXXX XXXX = {$0.00} XXXX XXXX XXXX * * All three bureaus properly show XXXX XXXX : {$0.00}. This confirms the account is not delinquent. Please ensure no hidden or residual derogatory coding is tied to this account.

11 ) * * Consumer Position Never Late on This Account * * I affirm that I have never been late on this XXXX XXXX credit card. Any late-payment notations or derogatory codes are false and unverifiable, and must be removed under 1681i ( a ) ( 5 ).

12 ) * * Closure Comments and Classification * * - TransUnion & Experian include Closed by Consumer, while XXXX  omits it. 
- Account XXXX still shows XXXX Account, which contradicts the closure. 
Please update all bureaus to consistently show XXXX Credit Card ( Closed by XXXX ). 

13 ) * * High Credit vs. Credit Limit Misclassification * * - TransUnion & Experian appear to report High Credit as {$21.00} ( highest balance ). 
- Equifax reports XXXX XXXX as {$2500.00} ( which is the limit, not the balance ). 
- Simultaneously, Equifax reports XXXX XXXX as {$0.00}. 
This is misclassification. Please verify and report * * XXXX XXXX * * and * * XXXX XXXX * * correctly across bureaus. 

14 ) * * Date of XXXX XXXX vs. Date of Last Payment Conflict * * - Experian reports Date of Last Activity as XX/XX/XXXX but Date of Last Payment as XX/XX/XXXX. 
- An account can not show new activity without a payment. 
Please correct or remove the inaccurate Date of Last Activity. 

-- - # # # XXXX FCRA Provisions and Case Law - * * 15 U.S.C. 1681e ( b ) : * * CRAs must assure maximum possible accuracy.

- * * 15 U.S.C. 1681i : * * Must reinvestigate disputed information within XXXX  days.

- * * 15 U.S.C. 1681i ( a ) ( 5 ) : * * Inaccurate or unverifiable information must be corrected or deleted.

- * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : * * Requires Method of Verification ( MOV ) on request. 
- * XXXX XXXX Trans Union *, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs must do more than superficial checks. 
- * XXXX XXXX XXXX, LLC *, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Misleading = inaccurate reporting. 
- * Cousin v. TransUnion *, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Erroneous tradeline particulars violate accuracy duties. 

-- - # # # Method of Verification ( MOV ) Request If any portion of this tradeline is verified, I demand the MOV within 15 days of reinvestigation completion, including : - The name, address, and phone of each furnisher contacted ; - The method used to verify ; - Copies of all documents relied upon ( billing statements, payment ledgers, system screenshots ). 

-- - # # # Requested Action - Correct Account Type/Classification to Closed Revolving/Credit Card ( Closed by Consumer ). 
- Align Date Opened, Date Last Active, Date of Last Payment, and Last Reported consistently. 
- Correct High Credit, XXXX XXXX, and XXXX XXXX fields to accurate values. 
- Remove any late markers or derogatory coding, as I have never been late. 
- Apply closure comments consistently across bureaus. 
- Provide written confirmation of corrections or deletions.

-- - # # # Timeframe for Compliance - 30 days for reinvestigation ( 1681i ).

- 15 days for MOV ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

-- - # # # Preservation of Rights I preserve all rights under the FCRA and state law. I may escalate to CFPB, FTC, and State Attorney General or pursue damages under 1681n & 1681o if violations persist. 

Respectfully, 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