Consumer complaint received 2025-09-14 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, XXXX  XXXX XXXX XXXX, NY XXXX XXXX XXXX Social ( Last Four ) : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute Mortgage Late-Payment and Data Inconsistencies Account in Dispute : XXXX XXXX XXXX XXXX  XXXX Partial Account No. : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am disputing the accuracy and completeness of the XXXX mortgage tradeline reported on my consumer reports. This account is reporting several inconsistencies, inaccuracies, and incomplete data in violation of the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

-- - SECTION I SPECIFIC ERRORS BY BUREAU ( Each item must be investigated and corrected ; if unverifiable, delete per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) Last Verified - TransUnion : XX/XX/XXXX - Experian : ( blank ) - Equifax : ( blank ) Date of Last Activity - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Date Opened - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Balance Owed - TransUnion : {$450000.00} - Experian : {$450000.00} - Equifax : {$620000.00} Payment Status - TransUnion : Current - Experian : Current - Equifax : Late 120 Days Creditor Remarks- TransUnion : ( blank ) - Experian : ( blank ) - Equifax : Real estate mortgage ; FHA mortgage Payment Amount - TransUnion : {$4100.00} - Experian : {$4100.00} - Equifax : {$4800.00} Last Payment - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Term Length - TransUnion : 504 months - Experian : 504 months - Equifax : ( blank ) Past Due Amount - TransUnion : {$0.00} - Experian : {$0.00} - Equifax : {$25000.00} Two-Year Payment History ( 30/60/90 ) - TransUnion : XXXX - Experian : XXXX - Equifax : XXXX ( These values are mathematically incompatible and contradict the monthly history. I have never been late. ) * * Requested Outcome * * - Correct all fields to be accurate and consistent across all bureaus - Remove all late-payment codes- Report this account as Pays as Agreed/ Current - If any item can not be verified using original source documentation from the furnisher, delete it entirely -- - SECTION II GOVERNING LAW AND DUTIES * * A. Consumer Reporting Agencies ( CRAs ) * * - 15 U.S.C. 1681e ( b ) : Must assure maximum possible accuracy - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( a ) ( 5 ) ( A ) : Must conduct reasonable reinvestigation within 30 days and delete unverifiable data - 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) : Must forward all information I provide to the furnisher - 15 U.S.C. 1681i ( a ) ( 6 ) : Must provide written results and updated report within 5 days - 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), ( a ) ( 7 ) : Must provide Method of Verification ( MOV ) within 15 days upon request - 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Must mark the account in dispute by consumer during investigation * * B. Furnisher ( XXXX ) * * - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), ( a ) ( 2 ) : Can not furnish information known or reasonably believed to be inaccurate - 15 U.S.C. 1681s-2 ( b ) ( 1 ) : Must investigate upon CRA notice and correct/delete inaccurate data - 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) : Must report corrections to all CRAs * * C. Regulation V ( CFPB ) * * - 12 C.F.R. 1022.42 : Must maintain policies ensuring accuracy and integrity - 12 C.F.R. 1022.43 : Must investigate direct disputes ; may not deem them frivolous without proper notice * * D. Guidance and Case Law * * - CFPB Circular XXXX ( XXXX XXXX, XXXX ) : Disputes may not be dismissed as frivolous - XXXX XXXX Trans Union XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) - XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) - XXXX v. BB & T, XXXX XXXX XXXX ( XXXX Cir. XXXX ) - XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) -- - SECTION III CFPB SUBMISSIONS If submitted via CFPB.gov, this dispute must still be treated as a direct dispute under 15 U.S.C. 1681s-2 ( a ) ( 8 ) and 12 C.F.R. 1022.43. You remain fully obligated to conduct a reasonable investigation under 1681s-2 ( b ) and provide accurate results.

-- - SECTION IV SUPPORTING STATEMENT I have never been late on this mortgage. The contradictory dates, balances, payment statuses, and missing fields are inaccurate. Please correct to Pays as Agreed / Current and remove any past-due balances or late-payment history.

-- - SECTION V ADDITIONAL RIGHTS & PROTECTIONS- If any information is deleted, do not reinsert it without full certification and written notice within 5 days ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) - If the furnisher fails to respond, delete the disputed information ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) )- This dispute does not waive any rights or admit any liability - If violations persist, I reserve the right to pursue legal action under 15 U.S.C. 1681n, 1681o -- - SECTION VI DEADLINES- Reinvestigation must be completed within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) )- If verified as accurate, provide full MOV within 15 days of my request ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), ( a ) ( 7 ) ) - If found inaccurate, correct or delete and notify all CRAs ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ; 1681s-2 ( b ) ( 1 ) ( D ) ) -- - Enclosures : Government-issued ID W-2 With Current Address And Full Social Utility With Current Address Highlights Of Disputed Account Bearing Inconsistencies Sincerely, /s/ 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