Consumer complaint received 2025-04-18 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:
XXXX XXXX XXXX : XX/XX/XXXX Email : XXXX XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Inaccurate and Unverifiable Account Reporting Request for Reinvestigation under FCRA 611, 607 ( b ), and 623 I am formally disputing the accuracy and validity of the following account being reported on my credit file : Creditor : XXXX XXXXXXXX Partial Account Number : XXXX Reported Balance : {$470.00} Credit Limit : {$300.00} Status : Charged Off / Closed ( depending on bureau ) Summary of Disputed Issues : Conflicting Dates of Last Activity Equifax : XX/XX/XXXX Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX These can not all be accurate and violate FCRA 607 ( b ), which requires data furnishers to ensure maximum possible accuracy.

Inconsistent Payment History One bureau shows : No late payments Another : 130, 160, 390 Another : XX/XX/XXXX ( which is inaccurate and ambiguous ) Payment History Percentages : Experian : 53 % Equifax : 11 % TransUnion : No history listed Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report inaccurate or unverifiable data. This inconsistency is misleading and impacts my credit profile. 

High Balance Reporting Discrepancies The High Balance field differs among the bureaus despite being the same account. 
This misrepresents my credit utilization and is a direct violation of FCRA 607 ( b ).

Inaccurate Monthly Payment Reporting The monthly payment is listed as {$0.00}, despite there being a balance and a reported payment history.

This affects my debt-to-income ratio and misleads future lenders.

Inconsistent Months Reviewed Data One bureau lists only 3 months ; others list different timelines. 
This affects scoring models and is inaccurate reporting under FCRA standards. 

Conflicting Account Statuses Equifax : Charged Off Experian : Closed TransUnion : Past Due These statuses contradict each other. All three can not be accurate. 
Varying and Misleading Remarks Remarks include : Charged off as bad debt Paid less than full balance No remarks at all Under FCRA 611, inconsistent or missing remarks cause confusion and are considered materially misleading.

Blank or Missing Key Reporting Fields Term Source Type and Amount Past Due are left blank across all three bureaus, despite a reported charge-off.

This omission violates FCRA 607 ( b ), which requires a complete and accurate depiction of the account.

Request for Action : Pursuant to FCRA 611 and 623, I am requesting : A full reinvestigation of this account and its reporting across all three credit bureaus. 
A Method of Verification ( MOV ) under FCRA XXXX ( a ) ( XXXX ), detailing how the accuracy of this account was verified. 
Tangible, verifiable documentation including : A copy of the original signed application or contract A full itemized breakdown showing how the {$470.00} balance was calculated The exact date of charge-off and documentation supporting it Documentation showing when and how the account was closed Any additional correspondence or evidence used to verify this information If the requested documentation can not be produced and inconsistencies can not be resolved, I formally request that this account be deleted from all credit reporting agencies as mandated by FCRA 611 ( a ) ( 1 ) ( A ).

A copy of this dispute is also being submitted via CFPB.gov. I expect your full investigation and written response within 30 days, as required by federal law. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX Email : 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