Consumer complaint received 2025-05-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Equifax XXXXXXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute of Inconsistent Credit Reporting Demand for Method of Verification Account Number : XXXX Original Creditor : XXXX XXXX XXXX  Current Owner : XXXX XXXX XXXX To Whom It May Concern : I am writing to formally dispute the accuracy, completeness, and legal integrity of the above-referenced account appearing on my credit reports maintained by TransUnion, Equifax, and Experian. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611, codified at 15 U.S.C. 1681i.

This account is being reported with multiple, material inconsistencies across the three major credit bureaus, which constitutes a violation of FCRA Section 607 ( b ), requiring credit bureaus to report only information that is complete and accurate to the maximum extent possible. These are not minor discrepancies ; they are fundamentally contradictory and bring the reliability of the reported data into question. 

The following are the identified inconsistencies : The last activity date is reported as XX/XX/XXXX by TransUnion, XX/XX/XXXX by Equifax, and XX/XX/XXXX by Experian. 

The monthly payment is reported as {$0.00} across all three bureaus. 

The term source type is blank with TransUnion, but listed as Provided with both Equifax and Experian. 

The account status is listed as Open by TransUnion and Equifax, but Closed by Experian.

The most adverse rating is marked as Collection/Charge-off by TransUnion and Experian, but Equifax shows no data .

The comments field contains Account information disputed by consumer on TransUnion, is blank on Equifax, and states Account seriously past due date/account assigned to attorney, collection agency, or credit grantors internal collection department on Experian.

The payment history is marked as unavailable on TransUnion, shows 76 percent on-time payments on Equifax, and 0 percent on-time payments on Experian.

These conflicting data points between the bureaus are indicative of an account that either can not be properly verified or is being negligently reported, in violation of federal law. As such, I am invoking my rights under FCRA Section 611 ( a ) ( 1 ) ( A ) and formally disputing the accuracy of this account.

In addition, I am exercising my right under FCRA Section 611 ( a ) ( 7 ) to request a complete and timely Method of Verification, should you determine that this account will remain on my report following reinvestigation.

Specifically, I demand the following : a. The exact method used to verify this account, including all documents reviewed.

b. The name, address, and contact information of the furnisher of this information.

c. A full explanation of your verification procedures and systems used to conclude that the information reported is accurate.

d. A certified response within the legally required timeline.

Furthermore, if this account can not be fully verified with reliable documentation, it must be either corrected to reflect accurate and uniform data across all bureaus, or permanently deleted in accordance with FCRA Section 611 ( a ) ( 5 ) ( A ).

Be advised that continuing to report unverifiable or inconsistent data after this formal notice may constitute negligent or willful noncompliance with federal law, as defined under FCRA Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ).

If no action is taken within thirty ( 30 ) calendar days from your receipt of this letter, I am prepared to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the New York State Attorney Generals Office. Additionally, I will explore my right to pursue legal action to seek actual damages, statutory penalties, and legal costs.

This dispute has been sent via cfpb.gov. If you verify the accuracy of this account, you must provide the full Method of Verification within fifteen ( 15 ) days of completing your reinvestigation, as required under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ).

I expect a written response confirming either the deletion or correction of this account, or a complete Method of Verification within the statutory timeframe. 

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