Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To : Credit Reporting Department XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Via Certified Mail Re : Formal Dispute of Inconsistent and Inaccurate Reporting Account No. XXXX NOTICE OF DISPUTE INCONSISTENT ACCOUNT HISTORY This correspondence constitutes a formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ) regarding inaccurate and conflicting information furnished by your company to consumer reporting agencies.

Upon reviewing multiple consumer credit reports, I have identified material inconsistencies in the account history, specifically : Conflicting late payment history : One report reflects 2/2/3 30/60/90-day late payments, while another shows 0/0/0 late payments over the same period. 
Inconsistent payment reporting : The account is listed as Charge-off on XX/XX/XXXX, yet payment history shows no activity since XX/XX/XXXX, and several months are reported as no payment history. 
Contradictory account closure information : XXXX source lists the account as Closed Charge-off XX/XX/XXXX, while another lists Date Closed : XX/XX/XXXX. 
Discrepancies in reported highest balance : Reported as {$1200.00} in one instance and not available in another.

Inconsistent remarks and statuses : Report alternates between Charge-off, Profit and loss write-off, and Collection/Chargeoff. 

These discrepancies constitute clear violations of federal law, including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not provide information they know or should know is inaccurate.

15 U.S.C. 1681s-2 ( b ) Upon notice of dispute, furnishers must investigate, review relevant information, and report results accurately.

15 U.S.C. 1692e ( 2 ) ( A ) Prohibits the false or misleading representation of the character, amount, or legal status of any debt.

DEMAND FOR CORRECTIVE ACTION Pursuant to the above statutes, I hereby demand the following : 1. Immediate investigation and written explanation of the inconsistent account history.

2. Full validation of the alleged account, including payment ledgers, original contract, charge-off accounting, and all reporting records transmitted to CRAs.

3. Immediate deletion or full correction of any and all inconsistent or inaccurate information furnished to XXXX, Experian, and XXXX. 
4. Written confirmation of the outcome of your investigation within 30 calendar days as required by law. 

Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau, Federal Trade Commission, and Michigan Attorney General, as well as litigation for statutory damages pursuant to 15 U.S.C. 1681n, 1681o, and 1692k.

DISCLOSURE REQUEST Additionally, you are required to provide a method of validation including : Full account payment history ; Complete accounting and charge-off ledger ; Name of any current owner or assignee of the alleged debt ; Copies of all monthly statements ; Proof of any notices required prior to charge-off reporting. 

If you can not validate this account in its entirety, the only lawful remedy is immediate deletion of the trade line. 

Reservation of Rights This dispute is made under reservation of all rights and remedies at law and in equity, U.C.C. 1-308. All communications must be in writing. 

Respectfully, XXXX XXXX XXXX, agent

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