Consumer complaint received 2025-06-07 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX TX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal FCRA Dispute XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) Account Name : XXXX XXXX XXXX ( original creditor : XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX * Report Date : XX/XX/XXXX Dear [ Equifax/Experian/TransUnion ] Compliance Department : I am writing under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute the reporting of the above-referenced XXXX XXXX XXXX account . I have identified multiple material inconsistencies and a duplicate listing that render this entry inaccurate : Inconsistencies Across Bureaus : Account Type is listed as Collection by TransUnion but listed as Open Account by Experian and Equifax. 
Account Type Detail is listed as Collection by TransUnion and Equifax, but Experian reports Unknown credit extension, review, or collection. 
Monthly Payment is blank on TransUnion but listed as {$0.00} on both Experian and Equifax. 
Date Opened is reported as XX/XX/XXXX by TransUnion, but XX/XX/XXXX by Experian and Equifax. 
Number of Months ( Terms ) is blank on TransUnion, but Experian reports 1 month and Equifax reports 0 months. 
Past Due Amount is blank on TransUnion, but Experian and Equifax both report {$3300.00} as past due.

Payment Status is reported as Collection/Chargeoff by both TransUnion and Experian, but Equifax reports Late 120 Days. 
Last Reported Date is XX/XX/XXXX on TransUnion, XX/XX/XXXX on Experian, and XX/XX/XXXX on Equifax. 
Comments field on TransUnion reads Account information disputed by consumer, meets FCRA requirements. Experian says, Customer disputed account reported by subscriber ; account seriously past due date ; account assigned to attorney/collection agency/internal collection. Equifax lists, Consumer disputes this account information ; collection account.

Date of Last Activity is XX/XX/XXXX on TransUnion, XX/XX/XXXX on Experian, and XX/XX/XXXX on Equifax. 
Date of Last Payment is blank on both TransUnion and Experian, but reported as XX/XX/XXXX by Equifax. 
Two-Year Payment History is blank from XX/XX/XXXX to XX/XX/XXXX on TransUnion, reported as charge-offs during those months on Experian, and reported as OK during the same time period on Equifax. 
These discrepancies violate FCRA 611 ( a ) ( 1 ) ( If the completeness or accuracy of any item of information contained in a consumers file is disputed by the consumer the consumer reporting agency shall reinvestigate free of charge ), and 609 ( a ) ( 1 ) ( right to request disclosure of all information ). Moreover, the duplicate entries for the same account constitute a misleading double count of my delinquency, contrary to the requirement that consumer reports be fair and accurate ( 15 U.S.C. 1681e ( b ) ).

Under FCRA 1681i ( a ), I demand that you : Conduct a reasonable reinvestigation of this account and delete or correct all inaccurate and duplicate entries.

Provide me with the method and source by which you verified the accuracy of this information ( 15 U.S.C. 1681i ( a ) ( 6 ) ), including name, address, and telephone number of each furnisher you contacted and copies of all documents they provided.

Supply me with a free, updated copy of my credit report reflecting the corrections, within 30 days of your receipt of this letter.

Failure to comply constitutes a willful violation of the FCRA. I remind you that in Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court held that duplicate reporting of the same debt is a material inaccuracy requiring deletion.

Enclosures : Copy of government-issued ID & Social Security Card Copy of recent bank statementl ( proof of address ) Highlighted excerpts of my credit report showing the duplicate and inconsistent entries I will consider your reinvestigation complete only when I have received your written confirmation, the verification method and sources, and an updated credit report showing deletion of the inaccurate/duplicate listing. I will not send any additional letters. 

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