Consumer complaint received 2025-05-23 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 XXXXXXXX XXXX XXXX XXXX NY XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian, Equifax, TransUnion Re : Formal Dispute & Reinvestigation Request XXXX Account # XXXX * * * * Dear Credit Reporting Agency , I am writing to dispute multiple material inconsistencies in the reporting of the above-referenced account by CCB/LECARD across all three major credit bureaus : Experian, Equifax, and TransUnion . Under the Fair Credit Reporting Act ( FCRA ) 1681i and 1681e ( b ), I demand a thorough reinvestigation of this account due to the conflicting and unverifiable information reported, which violates my rights to accurate and complete credit reporting. 

Key Discrepancies Identified : 1. Account Type/Detail : Reported as Charge Off by TransUnion and Experian, but blank on Equifax, indicating incomplete and inaccurate data reporting. 

XXXX. Date Opened : Conflicting XXXX on TransUnion, XXXX XX/XX/XXXX on Experian and Equifax. 

XXXX. High Credit : Reported as {$600.00} on TransUnion and Equifax but {$0.00} on Experian, reflecting inconsistent account balances. 

XXXX Credit XXXX XXXX {$250.00} reported on TransUnion and Experian but {$0.00} on Equifax XXXX 
Last Reported Date : XX/XX/XXXX for TransUnion and Experian, but XX/XX/XXXX for Equifax. 

XXXX. Comments : Differing remarks such as Charged off as bad debt purchased by another lender ( TransUnion ), Purchased by a mother lender ( Experian ), and Charged off account transferred or sold ( Equifax ) which show inconsistent account status reporting. 

XXXX. Date Last Active : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( Equifax ), which significantly impacts account aging and reporting accuracy. 

XXXX. Date of Last Payment : XX/XX/XXXX for TransUnion and Experian, but XX/XX/XXXX for Equifax, a key piece of information for statute of limitations and account validation. 

8. Two-Year Payment History : TransUnion reports blank. 
-Experian shows XXXX XXXX XXXX, then progressive late payments culminating in charge-off XXXX XXXX. 
-Equifax XXXX XXXX XXXX XXXX, then late payments with inconsistent statuses, -including an XXXX in XX/XX/XXXX and blanks in XX/XX/XXXX. 

These contradictions render the account unverifiable, inaccurate, and incomplete under FCRA XXXX ( b ) which requires maximum possible accuracy. 

Legal Basis for Dispute and Demands : Under FCRA 1681i ( a ), you are required to conduct a reasonable reinvestigation to verify the accuracy of disputed information. Due to the contradictory information reported by XXXX across the bureaus, this account fails the standard of maximum accuracy mandated by 1681e ( b ). Reporting agencies must ensure all furnishers provide consistent and verifiable data ; failure to do so violates the FCRA. 

I hereby formally request the following : A complete reinvestigation of the account by contacting XXXX to clarify and correct all inconsistencies identified above. 

The immediate removal of this account from my credit report if XXXX or any bureau can not provide full and verifiable documentation proving the accuracy of all reported data points as required by the FCRA. 

If the account is verified as accurate, provide me with a full Method of Verification ( MOV ) including : The name, address, and contact information of the furnisher who verified the data. 
Detailed procedures and documentation used to verify the accounts accuracy. 
Copies of all original contracts, statements, and records relied upon in verification. 

Failure to comply with these requirements or to remove unverifiable, inaccurate, or incomplete information will constitute willful noncompliance with the FCRA, and I reserve my rights to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the state Attorney General, and pursue all available legal remedies under 1681n and 1681o.

Please send me a full written response with the results of your reinvestigation within the 30-day period required by federal law.

Thank you for your immediate attention to this matter.

Please note, Attached is my state id for proof of identity, Bank statement for proof of address and highlighted inconsistencies this account has been reported to all 3 credit bureaus. 

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