Consumer complaint received 2025-08-17 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: MI

Complaint narrative:
Dear TRANSUNION AND EXPERIAN I am formally disputing inaccurate, inconsistent, and unverifiable information that is being reported on my credit file. This letter serves as a request for reinvestigation under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of information. The tradelines listed below are inconsistent across bureaus, incomplete, and unverifiable, therefore they must be corrected or deleted.

1. XXXX XXXX Acct # XXXX Experian and TransUnion report 30, 60, and 90-day late payments for XX/XX/XXXX XX/XX/XXXX. 
XXXX deleted the entire two-year payment history and does not report these late payments. BUT STILL SHOWS CONFLICTING INFO UNDER THE 2 YEAR HISTORY Additionally, it is important to note that these late payment reports have changed over time and have not been consistently reported between bureaus. For example, TransUnion previously reported XX/XX/XXXX through XX/XX/XXXX as 3090 days late, while Experian reported XX/XX/XXXX through XX/XX/XXXX as 3090 days late, and XXXX also reflected XX/XX/XXXX through XX/XX/XXXX XXXX before deleting the entire two-year payment history. These shifting and contradictory reports demonstrate that the data is unstable and unverifiable, further violating 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. If the bureaus and furnisher can not provide documented, consistent, and verifiable records, this account must be deleted pursuant to 1681i ( a ) ( 5 ) ( A ).

Furthermore this creates a direct violation of 15 U.S.C. 1681e ( b ) ( accuracy ), as well as 1681i ( a ) ( 5 ) ( A ), which requires deletion of disputed information that can not be verified. The inconsistent data across bureaus proves that the late payment history can not be reliably verified. 

2. XXXX XXXX Acct # [ XXXX ] The account is reported as Business Credit Card, Charge Account, and Business Line Personally Guaranteed across bureaus. 
This is factually inaccurate and materially misleading under 15 U.S.C. 1681i.

Because account type is being misreported, this tradeline is not being reported in a clear and accurate manner as required by law Additionally, it is important to note that these late payment reports have changed over time and have not been consistently reported between bureaus. For example, TransUnion and Experian previously reported XXXX 30-90 days late. XXXX Reported XXXX 30-90 days late. before deleting the entire two-year payment history. These shifting and contradictory reports demonstrate that the data is unstable and unverifiable, further violating 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy. If the bureaus and furnisher can not provide documented, consistent, and verifiable records, this account must be deleted pursuant to 1681i ( a ) ( 5 ) ( A ).

Furthermore this creates a direct violation of 15 U.S.C. 1681e ( b ) ( accuracy ), as well as 1681i ( a ) ( 5 ) ( A ), which requires deletion of disputed information that can not be verified. The inconsistent data across bureaus proves that the late payment history can not be reliably verified. 


XXXX. XXXX Acct XXXX [ XXXX ] Payment history shows lates on Experian bureaus but not others as the others have deleted the entire account history. 
The inconsistencies in reporting are inaccurate and incomplete, violating 15 U.S.C. 1681c ( a ) ( 5 ), which prohibits incomplete or misleading information from being included. 

XXXX. XXXX XXXX Acct XXXX [ XXXX ] Different late payments are being reported across the three bureaus.

This violates 1681i ( a ) ( 2 ), as furnishers and bureaus are required to conduct a reasonable reinvestigation to ensure reporting consistency.

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