Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
To : TransUnion LLC/ Equifax Information Services LLC /Experian Information Solutions Inc . 

From : Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Email : XXXX Phone : XXXX RE : Dispute of Inaccurate XXXX  XXXX Account Reporting Account Number : XXXX Dear Credit Bureau Compliance Department, I am formally disputing the accuracy of the XXXX  XXXX account currently listed on my credit report. After carefully reviewing all three credit bureau reports dated XX/XX/XXXX, I have identified multiple and significant discrepancies that violate the accuracy provisions set forth by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Summary of Inaccuracies ( By Bureau ) : 1. Last Activity Date : TransUnion reports XX/XX/XXXX Equifax reports XX/XX/XXXX Experian reports XX/XX/XXXX XXXX. Account Remarks : TransUnion : No remarks listed Equifax : Reported as " Credit Card '' Experian : Reported as " Account Delinquent 150 Days Past Due '' 3. Late Payments ( Times 30/60/90 Days Late ) : All three bureaus report 3 times 30 days late, 1 time 60 days late, and 3 times 90 days late. 

4. Months Reviewed : TransUnion : XXXX  months Equifax : XXXX  months Experian : XXXX  months 5. High Balance Reported : TransUnion : {$9200.00} Equifax : {$0.00} Experian : {$9200.00} 6. Percentage of On-Time Payments : TransUnion : 83 % Equifax : 71 % Experian : 68 % These inconsistencies not only create confusion regarding the true status of this account but also negatively impact my credit score and overall creditworthiness. Accurate and consistent reporting is critical to fair credit evaluation. 

Legal Basis for Dispute : Pursuant to : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] CRAs must follow reasonable procedures to ensure maximum possible accuracy. 

FCRA 611 [ 15 U.S.C. 1681i ] You are required to conduct a reasonable reinvestigation of any item I dispute. 

FCRA 602 ( A ) ( 1 ) Credit reporting must be fair and accurate to protect consumers financial standing. 

Case law : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), holding that inaccurate credit reporting that leads to credit denial is actionable. 

These conflicting data entries across your own reporting standards clearly reflect a failure to maintain accurate records. 

Requested Resolution : I request that this XXXX XXXX account be : Immediately investigated and corrected across all three credit bureaus, or Deleted entirely from my credit report if it can not be verified with 100 % consistent and accurate data. 
If you verify this account as accurate, please provide a full Method of Verification ( M.O.V. ) under FCRA 611 ( a ) ( 7 ), including the name and contact of the entity that verified it, and how the verification was performed. 

Supporting Information : This dispute is being submitted through CFPB.gov. 
I am attaching a copy of my ID and proof of address ( if required ). 
I have preserved a full copy of this report with all noted discrepancies as evidence. 
Please complete your reinvestigation within the required 30-day period as mandated by FCRA 611 and notify me in writing of
your findings. If this information is not corrected or removed, I am prepared to escalate this matter with formal complaints and legal remedies.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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