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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX ( XXXX ) XXXX DOB : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute Request for Deletion of Inaccurate XXXX Account Account Name XXXX XXXX  | Date Opened : 08/2021 I am formally disputing the reporting of the above-referenced account as permitted by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). The information being reported by TransUnion, Experian, and Equifax is inconsistent, incomplete, and legally deficient. I am requesting the immediate deletion of this account from all credit bureaus. 

Grounds for Dispute : 1. Charge-Off Status with {$0.00} Balance and {$0.00} Past Due It is illogical and inaccurate to report an account as charged off while simultaneously showing a {$0.00} balance and {$0.00} past due. This contradicts the fundamental definition of a charge-off, which implies a financial loss none of which is reflected here.

2. Inconsistent and Unverifiable Data Across Bureaus The reporting bureaus reflect the following conflicting information : Date Opened : TU/EX XX/XX/XXXX | EQ XX/XX/XXXX High Credit : TU/EQ {$450.00} | EX {$0.00} Credit Limit : TU/EX {$130.00} | EQ {$0.00} Date Last Active : TU XX/XX/XXXX | EX XX/XX/XXXX | EQ XX/XX/XXXX Date of Last Payment : TU/EX XX/XX/XXXX | EQ XX/XX/XXXX Account Type : Missing on Equifax Such discrepancies call the accuracy of this tradeline into question, violating FCRA 607 ( b ) ( maximum possible accuracy ).

3. Missing 2-Year Payment History No bureau provides a full 24-month payment history for this account. Reporting incomplete data while still classifying the account as derogatory misleads future lenders and is a violation of the FCRA.

4. Unclear Ownership and Verification Comments state that the account has been sold, transferred, or purchased by another lender, but there is no verifiable information provided about the current owner. If the debt has been transferred, the original creditor should no longer be reporting it.

Duplicate Reporting Violation If this account has been sold, it appears that both the original creditor and the new owner are reporting the same debt separately possibly both as charge-offs. This is misleading, unfair, and results in double derogatory impact on my credit file.

The original creditor must reflect a {$0.00} balance and " transferred/sold '' status only.

The new debt buyer must provide legal documentation showing ownership, the amount owed, and chain of title.

Per the FTC and CFPB, duplicate reporting of sold debts is deceptive and may violate FCRA 607 ( b ), 609 ( a ), and 611.

Legal Grounds Cited FCRA 602 ( a ) Accuracy, fairness, and privacy in credit reporting FCRA 607 ( b ) Maximum possible accuracy FCRA 611 Right to dispute unverifiable or incorrect information 15 U.S. Code 1681i ( a ) ( 1 ) ( A ) Duty to investigate disputed data within 30 days Cushman v. TransUnion ( 115 F.3d 220 ) Duty to obtain source documentation FTC Advisory Opinions Duplicate or inconsistent reporting is deceptive Formal Request for Deletion : I hereby request that this account be permanently deleted from my credit file across all three bureaus. If you intend to verify this account, please provide : The name and contact information of the verifying party A copy of the original signed agreement Complete and unbroken payment history from account opening to present Documentation showing the debts legal transfer ( if sold ) Enclosures : Copy of my government-issued photo ID Proof of address ( Bank Statement ) Final Notice : Failure to correct this matter within 30 days will result in immediate complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , North Carolina Attorney General, and the XXXX XXXX XXXX XXXX XXXX XXXX. I will also explore all legal remedies under the FCRA and FDCPA for negligent and inaccurate credit reporting. 

Sincerely, 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