Consumer complaint received 2025-08-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX  ( Acct. # XXXX ) To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and inconsistent reporting of the above-referenced account. Under 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to assure the maximum possible accuracy of information in consumer reports. This account is being reported with material inconsistencies across all three bureaus, which is in violation of the FCRA, CFPB guidance, and established case law. Disputes submitted through CFPB.gov are to be treated no differently than direct disputes under 15 U.S.C. 1681s-2 ( a ) ( 8 ).

Disputed Inconsistencies 1. Date of Last Activity TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX This discrepancy creates confusion and violates 1681e ( b ). In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), courts ruled CRAs must go beyond a superficial review and verify accuracy.

2. Original Creditor TransUnion & Experian : XXXX XXXX Equifax : Reports blank Incomplete or omitted reporting is considered misleading u

nder Dalton v. Capital Associated Indus., Inc. , 257 F.3d 409 ( 4th Cir. 2001 ). 3. Status of Account TransUnion & Experian : Charge-off Equifax : Open Contradictory status across bureaus is a clear violation of 1681e ( b ). See Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ). 4. Most Recent Adverse Rating TransUnion : Collection/Charge-off Equifax : No data available Experian : Collection/Charge-off Inconsistent reporting renders this data unreliable and misleading to creditors. 5. Payment History TransUnion & Experian : No history available Equifax : Reports 100 % on-time payment history This is factually impossible given that the same account is reported as charged off. Courts have found such contradictions actionable under Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ).

Legal Demands Reinvestigation : Conduct a full reinvestigation into each inconsistency listed above pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) within 30 days.

Deletion or Correction : Any item that can not be fully verified as accurate must be deleted or corrected immediately under 1681i ( a ) ( 5 ) ( A ).

Method of Verification ( MOV ) : If verified as accurate, provide a Method of Verification within 15 days of verification as required by 1681i ( a ) ( 6 ) ( B ) ( iii ).

This must include : The name, address, and phone number of the furnisher, Documents relied upon, An explanation of how conflicting information was reconciled.

No Re-aging or Alteration : Any attempt to update, re-age, or reintroduce unverifiable data will be treated as a willful violation under 1681n.

Preservation of Rights Failure to comply will leave me no choice but to escalate by : Filing complaints with the CFPB, FTC, and state regulators, Pursuing civil litigation under 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) for statutory, actual, and punitive damages. 

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