Consumer complaint received 2025-11-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information currently being reported on my credit file regarding the following account : Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon r

eviewing my credit reports from TransUnion, Experian, and Equifax, I noticed multiple inconsistencies and reporting errors that violate my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

________________________________________ Discrepancies Identified Across Reports 1. Inconsistent High Balance Reporting : o TransUnion lists a high balance of {$280.00}, while Equifax lists {$940.00}, and Experian lists {$280.00}.

These values conflict with one another and indicate that at least one or more bureaus are reporting unverifiable or outdated information.

( Violation of FCRA 1681e ( b ) Failure to assure maximum possible accuracy. ) 2. Date of Last Activity & Date Reported Conflict : o TransUnion reports the Date of Last Activity as XX/XX/XXXX and Date Reported as XX/XX/XXXX, while Equifax and Experian both show inconsistent or missing activity dates.

This inconsistency suggests the account information has not been updated accurately.

( Violation of FCRA 1681i ( a ) ( 1 ) ( A ) Duty to reinvestigate inaccurate information. ) 3. Late Payment Reporting Error : o Each bureau reflects a 30-day late payment in XXXX, despite the account showing {$0.00} balance, closed, and paid as agreed.

This late mark is inaccurate and misleading, as the account has a reported {$0.00} balance and is described as Paid/Closed/Current.

Under FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information known to be inaccurate.

4. Account Status Confusion and Conflicting Remarks : o One or more bureaus list Account information disputed by consumer, meets FCRA requirements, while others note Customer disputed account reported by subscriber.

This indicates a lack of uniformity and failure to verify or update dispute results accurately.

5. Unverifiable Data and Lack of Documentation : o The reporting furnisher has failed to provide verifiable documentation showing the original creditor records supporting the 30-day late mark or varying high balances.

Under FCRA 1681i ( a ) ( 5 ), unverifiable information must be deleted from my file.

________________________________________ Legal Grounds for My Request FCRA 602 ( A ) : I am entitled to fair and accurate credit reporting.

FCRA 611 ( 15 U.S.C. 1681i ) : CRAs must reinvestigate disputed items and delete or correct any information found to be inaccurate or unverifiable.

FCRA 623 ( 15 U.S.C. 1681s-2 ) : Data furnishers may not knowingly report false or inaccurate information.

FDCPA 807 ( 8 ) : Prohibits false representation of the character or legal status of any debt.

________________________________________ Action Requested I request that each bureau : 1. Conduct a full reinvestigation of the XXXX account ; 2. Provide the original verification documents and source of the reported data ; 3. Remove or correct all inconsistent, inaccurate, or unverifiable information ; 4. Reverse the reported 30-day late payment and update the account to Paid as Agreed Never Late.

5. Provide me with a written confirmation of your findings within the 30-day period as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

If this item can not be verified in full compliance with the law, it must be deleted from my credit file entirely.

________________________________________ Thank you for your prompt attention to this matter. Please send written confirmation of the reinvestigation and results to my address above. 
Sincerely, 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