Consumer complaint received 2025-04-21 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:
XXXXXXXX XXXX Account Ending in XXXX Disputing party : XXXX XXXX XXXX Creditor : XXXXXXXX XXXX Account ending in : XXXX Balance reported : {$7000.00} Credit bureaus involved : Equifax, Experian, TransUnion Type : Charge-off I am formally disputing the XXXXXXXX XXXX  account reported on my credit file with a balance of {$7000.00} and requesting its immediate removal due to extensive factual inaccuracies, inconsistencies between the credit bureaus, and a failure by the furnisher to provide verifiable, consistent, and accurate data as required under the Fair Credit Reporting Act ( FCRA ). 

Detailed Inconsistencies Across TransUnion, Experian, and Equifax : 1.Open Date Inconsistency TransUnion reports XX/XX/XXXX Equifax & Experian both report XX/XX/XXXX XXXX Activity Date Conflict TransUnion & Experian report XX/XX/XXXX Equifax reports XX/XX/XXXX 3.Responsibility Field Conflict TransUnion & Equifax list Individual Experian lists Undesignated 4.Remarks Conflict TransUnion has no remarks Equifax and Experian show different remarks regarding charge-off and account status 5.Late Payment History Conflict ( XX/XX/XXXX Days ) TransUnion : XXXX Equifax : XX/XX/XXXX Experian : XXXX XXXX Reviewed TransUnion : 0 months Equifax : 99 months Experian : XXXX months 7.Term Source Type Blank across all three bureaus 8.High Balance XXXX TransUnion : {$7000.00} Equifax : {$7000.00} Experian : {$0.00} XXXX Credit Inconsistency TransUnion & Experian : {$6000.00} Equifax : {$0.00} 10.Monthly Payment Field All bureaus report {$0.00} which is inaccurate for a revolving credit account and falsely suggests no payment was ever due 11.Payment History Inconsistency TransUnion : No payment history reported Equifax : Only 58 % of payments reported as on time Experian : Only 12 % of payments on time FCRA Violations The account in question violates FCRA 1681i due to : 1.Failure to maintain consistent and accurate reporting Inclusion of unverifiable and contradictory data 2.Lack of documentation supporting derogatory status Suspected re-aging or manipulation of reporting dates Additionally, FCRA 623 ( a ) ( 5 ) requires the accurate reporting of the Date of First Delinquency ( DOFD ), which is absent or unclear. The disparities outlined above demonstrate a lack of compliance and due diligence in furnishing and verifying this data.

My Request Under FCRA 1.Immediate removal of this account from all three consumer reports due to the volume and severity of discrepancies.

2.Method of Verification ( MOV ) under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Provide the name, address, and phone number of the party who verified this information.

Explain how it was verified, and through what system ( manual or automated ).

3.Tangible proof required to validate the tradeline : 4.A signed original contract with XXXXXXXX XXXX  Full transaction and billing history 5.Clear documentation showing the Date of First Delinquency ( DOFD ) 6.Proof of legal debt ownership and balance calculations 7.Copy of final charge-off notice or billing statement Conclusion Due to the volume and severity of discrepancies, and the lack of legal compliance, this account reporting is false, misleading, and unfairly damaging my credit reputation. If XXXXXXXX XXXX or the credit bureaus are unable to provide consistent, verifiable, and accurate documentation, then they are in violation of the FCRA, and this account must be deleted. 

I am requesting the CFPB assist in enforcing this removal, and I will consider further action if this matter is not resolved in full compliance with consumer protection laws. 

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