Consumer complaint received 2025-09-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Transunion/Equifax/Experian Re : Formal Dispute of Inaccurate, Incomplete, and Inconsistent Account Reporting Account Name : XXXX Account Number : XXXX Dear Transunion/Equifax/Experian I am writing to formally dispute the accuracy, completeness, and consistency of the above-referenced account appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I have the right to dispute any information in my credit file that I believe is inaccurate or incomplete. I request a full investigation of this account and deletion of the inaccurate data if it can not be fully verified as accurate and complete. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SPECIFIC DISPUTED INCONSISTENCIES & INACCURACIES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The following material discrepancies are present across the three nationwide consumer reporting agencies : Last Activity Date : - TransUnion  : XX/XX/XXXX - Experian  : XX/XX/XXXX - Equifax : XX/XX/XXXX These dates materially conflict and create uncertainty regarding account status, aging, and credit scoring implications. 

Term / Source / Type : - TransUnion : Blank - Equifax : Blank - Experian : Provided This inconsistency renders the account incomplete and unverifiable as defined under FCRA 1681i ( a ) ( 1 ) ( A ).

Account Status : - TransUnion : Charge-Off - Experian : Charge-Off - Equifax : Open It is impossible for the same account to simultaneously be Open and Charged-Off. This is a direct contradiction.

Most Recent Adverse Rating : - TransUnion : Collection/Charge-Off - Experian : Collection/Charge-Off - Equifax : No Data Available Missing and contradictory data violates accuracy and completeness duties under FCRA 1681e ( b ).

Comments : - TransUnion : Blank - Equifax : " Consumer disputes this account information '' - Experian : " Unpaid balance reported as a loss by credit grantor ; account information disputed by consumer '' The inconsistent dispute notations show the bureaus are not maintaining uniform or updated information, violating FCRA 1681i ( a ) ( 5 ).

Payment History : - TransUnion : No history available - Equifax : " Youve made 100 % of payments for this account on time '' - Experian : " Youve made 4 % of payments for this account on time '' These are materially contradictory and can not simultaneously be accurate. Such reporting is misleading and fails the standard of maximum possible accuracy under FCRA 1681e ( b ). 

Because of these inconsistencies, this account is being reported in a manner that is inaccurate, incomplete, and misleading. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- APPLICABLE FEDERAL LAWS & REGULATIONS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- * * FCRA 1681i ( a ) * * Requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days.

* * FCRA 1681e ( b ) * * Requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of the information they report.

* * FCRA 623 ( a ) ( 1 ) ( A ) * * Prohibits furnishers from reporting information known or reasonably believed to be inaccurate.

* * FCRA 623 ( a ) ( 8 ) * * Requires that disputes submitted through the CFPB or other agencies be treated as direct disputes.

* * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) * * Requires deletion of information that can not be verified as accurate. 

* * FTC Staff Opinion to XXXX ( XX/XX/XXXX ) * * Clarifies that " if the CRA can not verify the accuracy, it must delete the information. '' * * CFPB XXXX XXXX * * Requires furnishers to review all relevant information when responding to disputes. 

* * Case Law : * * XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs must go beyond parroting the furnisher and must perform an independent investigation. 

* * Case Law : * * XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reporting information that creates a materially misleading impression violates FCRA. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE REGARDING CFPB-GOVERNED DISPUTES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Pursuant to * * 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) ( iii ) * *, any dispute submitted via the Consumer Financial Protection Bureau ( CFPB.gov ) constitutes a direct dispute and must be handled in full compliance with FCRA 623 ( a ) ( 8 ). This includes the duty to conduct a reasonable investigation and correct or delete inaccurate information. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- REQUEST FOR METHOD OF VERIFICATION ( MOV ) FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- If and only if you verify this account as accurate following your reinvestigation, I hereby request, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), that you provide me with a * * detailed Method of Verification ( MOV ) * * within * * 15 days after your verification * *. This must include : 1. The name of the person who verified the information ; 2. The name, address, and telephone number of each furnisher contacted ; 3. A description of the documentation reviewed ; and 4. A description of the procedure used to determine the accuracy of the data. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DEADLINES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dispute Investigation must be completed within * * 30 days * * of receipt of this letter, as required under FCRA 1681i ( a ) ( 1 ) ( A ). 
MOV must be provided within * * 15 days after and only if * * the account is verified as accurate. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PRESERVATION OF RIGHTS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please be advised that if you fail to correct or delete the disputed information, or if you continue to report unverifiable or inaccurate information, you will be in violation of the FCRA and other applicable federal laws. 

I reserve the right to pursue all available legal remedies, including but not limited to, filing complaints with the CFPB and FTC, initiating arbitration under the FCRA, or filing civil litigation for statutory damages, actual damages, attorneys fees, and costs. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- REQUESTED ACTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Because this account is being reported with multiple material inconsistencies, inaccuracies, and incomplete data, and because it can not be simultaneously accurate as currently reported, I request that you * * delete this account entirely from my credit file * *. 

Please confirm your receipt of this dispute and send your written response to my address listed above. 

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