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: NJ

Complaint narrative:
Consumer : XXXX XXXX Account in Dispute : XXXX XXXX XXXX XXXX Account # XXXX Report Date : XX/XX/year> Reporting Agencies : TransUnion, Equifax, Experian Formal Dispute & Request for Immediate Deletion To Whom It May Concern, I am submitting this formal dispute concerning the XXXX XXXX XXXX XXXX account ( # XXXX ) reported across all three credit bureaus. After reviewing my credit file, I have found this account to contain multiple inconsistencies, reporting errors, and incomplete data, in direct violation of the Fair Credit Reporting Act ( FCRA ).

Under FCRA 611, I am exercising my right to dispute any account that is being reported inaccurately, incompletely, or without tangible verification. Based on the evidence outlined below, I am requesting immediate deletion of this account from TransUnion, Equifax, and Experian. 

Key Reporting Discrepancies XXXX. Conflicting Last Activity Dates TransUnion : XX/XX/year> Equifax : XX/XX/year> Experian : XX/XX/year> These are XXXX different last activity dates for the same account a clear violation of FCRA 623 ( a ) ( 5 ) which mandates accurate reporting of account timing.

2. Payment History is Inconsistent Across All Bureaus TransUnion : No payment history shown at all Equifax : 79 % on-time payments Experian : 70 % on-time payments XXXX separate profiles for one account violates FCRA 607 ( b ) and FCRA 623 ( a ) ( 1 ) requiring consistent and complete reporting.

3. Late Payments Do Not Match TransUnion : XXXX late payments Equifax : XXXX Experian : XXXX These are material inconsistencies a single tradeline can not simultaneously reflect perfect payment history and XXXX missed payments. This discrepancy damages consumer accuracy rights under FCRA 602 and 623 ( a ).

4. " Term Source '' Field Is Blank on All 3 Reports Without term source, the structure of the account ( revolving, installment, terms ) can not be validated. This makes the account incomplete and unverifiable in its current form.

5. Months Reviewed Is Either 0 or Missing TransUnion & Equifax : 0 Experian : 37 months There is no explanation for how one bureau has 37 months of activity and the others show 0. This is inaccurate and misleading.

6. Monthly Payment Reported as {$0.00} All three bureaus report a monthly payment of {$0.00} on a revolving credit card account that was charged off.

This is a clear sign of incomplete data, as no revolving account should reflect zero monthly obligation during charge-off status.

7. Missing Amount Past Due Across All Bureaus No past due amount is reported even though this is a charged-off account. If nothing is owed, it shouldnt be charged off and if something is owed, it must be disclosed.

8. Inconsistent or Contradictory Remarks TransUnion : Account closed
by credit grantor Equifax : Charged off account Experian : Unpaid balance reported as loss The remarks conflict one says closed, another says loss, another says charge-off. FCRA requires uniform and accurate remark reporting.

What I Am Requesting Per FCRA 611, 609 ( a ) ( 1 ), and 611 ( a ) ( 7 ), I am formally requesting : The full Method of Verification ( MOV ) used to confirm this tradeline A copy of the original signed credit card application or agreement Documentation confirming the accurate Date of First Delinquency ( DOFD ) The complete payment history with dates and missed payments A breakdown of who at XXXX XXXX verified this account, including name, title, and department Proof of the legal basis for continued reporting with inconsistencies If Verification Can not Be Provided If this account can not be fully verified with accurate, documented evidence, then per FCRA 611 ( a ) ( 5 ), it must be deleted in full from all three credit bureaus. Continuing to report unverifiable, conflicting information is a direct violation of the FCRA and may result in : A complaint to the Federal Trade Commission ( FTC ) Formal notification to the State Attorney General Potential legal action under FCRA 616617 for willful and negligent noncompliance Fair Resolution I am seeking the permanent deletion of this tradeline from TransUnion, Equifax, and Experian due to its unverifiable, inconsistent, and incomplete nature. If XXXX XXXX can not prove full accuracy, they can not legally report this account. 

Respectfully, XXXX 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