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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, NY XXXX XXXX XXXX Date : XX/XX/XXXX To : Experian | P.O. XXXX XXXX| XXXX, TX XXXX Equifax | XXXXXX/XX/XXXXXXXX| XXXX, GA XXXX TransUnion | XXXX. XXXX XXXX | XXXX, PA XXXX Subject : Formal Dispute of Inaccurate XXXX Account Reporting | FCRA 611 ( 15 U.S.C. 1681i ) Account Numbers in Question : TransUnion : XXXX Equifax / Experian : XXXX To Whom It May Concern, I am formally disputing the accuracy, completeness, and consistency of a XXXX account currently appearing on my credit reports. The way this account is being reported by TransUnion, Equifax, and Experian includes materially conflicting and inaccurate data, in violation of the Fair Credit Reporting Act ( FCRA ), particularly 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and 611 [ 15 U.S.C. 1681i ].

Disputed Account Summary : Creditor : XXXX Type : Individual Reported Status : TransUnion & Experian : Charge-Off | Equifax : Open Basis for Dispute : Upon a detailed review of my credit reports, I discovered several major discrepancies, all of which demonstrate an apparent failure to ensure " maximum possible accuracy '' as required under the FCRA : Inconsistent Account Numbers TransUnion reports : XXXX Equifax/Experian report XXXX XXXX This mixture of account numbers raises serious doubts about data reliability and proper verification. 

Conflicting Last Activity Dates TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX Contradictory Account Statuses TransUnion and Experian report this account as a " Charge-Off '' Equifax, however, lists the same account as " Open '' This directly contradicts the idea of unified, verifiable account standing.

Inconsistent Payment Histories TransUnion : No history available Equifax : 100 % on-time payments Experian : 11 % on-time payments Missing Delinquency Indicators There are no 30/60/90-day late payments reported across any of the three bureaus. This is highly unusual and inconsistent with a legitimate charge-off, which by definition would follow multiple late payment cycles.

Conflicting Adverse Comments TransUnion : No remarks listed Equifax : Collection Account Experian : Unpaid balance reported as a loss by credit grantor ; account closed at credit grantors request These conflicting data points indicate either incorrect reporting or a failure to properly validate the account before furnishing or displaying this information on my credit reports.

Action Requested : In accordance with FCRA 611, I request that each credit bureau : Conduct a full reinvestigation of this XXXX account, including obtaining documentation from the original creditor. 

Delete the account from my credit file if it can not be verified with fully accurate and consistent records. 

If verified, provide the Method of Verification ( MOV ) per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), including : Name, address, and contact information of the furnishing party ( XXXX ) Specific method used to verify the information ( electronic, manual, or otherwise ) Description of the original source of the data Supporting Documentation Enclosed : Copy of my government-issued ID Proof of current address ( w-2 ) Screenshots of the inconsistent account data from all three reports Deadline : Please complete this reinvestigation and provide a written response within 30 days, as required under the FCRA. Failure to resolve this matter may result in formal complaints being filed with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) My State Attorney Generals Office Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX 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