Consumer complaint received 2025-07-31 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:
Comprehensive FCRA Dispute Analysis for XXXX  XXXX Account XXXX XXXX  Account Overview * * Account Number * * : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Type * * : Bank XXXX XXXX * * Current Status * * : Open across all bureaus -- - # # * * DISPUTE ITEM # 1 : INCONSISTENT REPORTING ACROSS CREDIT BUREAUS * * # # # * * Legal Foundation * * * * FCRA Violations * * : - Section 623 ( a ) ( 2 ) - Duty to provide accurate information - Section 623 ( e ) - Consistency requirement for information furnished to consumer reporting agencies # # # * * Detailed Description of Violation * * XXXX XXXX XXXXXXXX account is being reported with significant inconsistencies across the three major credit bureaus, which violates the creditor 's duty to provide uniform, accurate information to all consumer reporting agencies. 

* * Specific Inconsistencies Identified : * * - * * Date Reported * * : TransUnion ( XX/XX/year> ), Experian ( XX/XX/year> ), Equifax ( XX/XX/year> ) - * * Last Verified * * : TransUnion ( XX/XX/year> ), Experian & Equifax ( " -- '' ) - * * Dispute Status * * : TransUnion & Experian ( " Account not disputed '' ), Equifax ( " Account disputed '' ) - * * Credit Limit * * : TransUnion & Experian ( {$500.00} ), Equifax ( {$0.00} ) - * * Creditor Type * * : TransUnion & Experian ( " XXXX XXXX XXXX '' ), Equifax ( " All Banks '' ) # # # * * Impact on Consumer * * These inconsistencies create confusion in credit evaluation, potentially affecting credit decisions and making it impossible for the consumer to understand their true credit standing. 

# # # * * Dispute Language * * " This account is being reported inconsistently across credit bureaus in violation of FCRA Section 623 ( a ) ( 2 ). The creditor has a legal obligation to report the same accurate information to all consumer reporting agencies. Request immediate investigation and correction to ensure uniform reporting. '' -- - # # * * DISPUTE ITEM # 2 : EQUIFAX DISPUTE STATUS INACCURACY * * # # # * * Legal Foundation * * * * FCRA Violations * * : - Section 611 ( a ) ( 5 ) ( A ) - Notification of dispute resolution - Section 623 ( a ) ( 2 ) - Accuracy in reporting dispute status # # # * * Detailed Description of Violation * * Equifax is reporting the account status as " Account disputed '' while TransUnion and Experian show " Account not disputed. '' This suggests either : 1. A dispute was resolved but Equifax failed to update the status 2. False dispute information is being maintained on the credit report * * Specific Issues : * * - * * Current Status * * : Shows " Account disputed '' on Equifax only - * * Creditor Remarks * * : Indicates previous disputes were resolved by data furnisher - * * Timeline Inconsistency * * : Other bureaus show dispute resolution # # # * * Impact on Consumer * * An ongoing " disputed '' status can negatively impact credit decisions, as lenders may view disputed accounts as problematic or unresolved issues. 

# # # * * Dispute Language * * " The dispute status on this account is inaccurate. Per FCRA Section 611 ( a ) ( 5 ), once a dispute is resolved, the account should not continue to show as 'disputed. ' Request verification of current dispute status and correction if dispute has been resolved. '' -- - # # * * DISPUTE ITEM # 3 : MISSING/INACCURATE CREDIT LIMIT ( EQUIFAX ) * * # # # * * Legal Foundation * * * * FCRA Violations * * : - Section 623 ( a ) ( 1 ) ( A ) - Complete and accurate information reporting - Section 623 ( a ) ( 2 ) - Accuracy requirements for account details # # # * * Detailed Description of Violation * * Equifax is reporting a {$0.00} credit limit while TransUnion and Experian correctly report a {$500.00} credit limit. This represents incomplete or inaccurate reporting of material account information. 

* * Specific Issues : * * - * * Equifax Credit Limit * * : {$0.00} ( incorrect ) - * * TransUnion/Experian Credit Limit * * : {$500.00} ( correct ) - * * Utilization Impact * * : Missing credit limit affects credit utilization calculations # # # * * Impact on Consumer * * Incorrect credit limit reporting can severely impact credit scores, as credit utilization ratios can not be properly calculated with a {$0.00} credit limit, potentially showing infinite utilization. 

# # # * * Dispute Language * * " The credit limit is being reported inaccurately as {$0.00}, which violates FCRA Section 623 ( a ) ( 1 ) ( A ) requiring complete and accurate information. The correct credit limit is {$500.00} as verified by other bureaus. Request immediate correction. '' -- - # # * * DISPUTE ITEM # 4 : INCONSISTENT LAST VERIFIED DATES * * # # # * * Legal Foundation * * * * FCRA Violations * * : - Section 623 ( a ) ( 2 ) - Accuracy in procedural information - Section 611 ( f ) - Verification requirements # # # * * Detailed Description of Violation * * The " Last Verified '' field shows different information across bureaus, with TransUnion showing XX/XX/year> while Experian and Equifax show no verification date ( " -- '' ). 

* * Specific Issues : * * - * * TransUnion * * : XX/XX/year> ( specific date ) - * * Experian & Equifax * * : " -- '' ( no date provided ) - * * Verification Inconsistency * * : Same account should have consistent verification status # # # * * Impact on Consumer * * Inconsistent verification dates create uncertainty about when account information was last confirmed as accurate, affecting the reliability of the credit report data. 

# # # * * Dispute Language * * " Last verified dates are inconsistent across bureaus for the same account. Per FCRA verification requirements, request confirmation of when this account was last verified for accuracy and consistency across all reporting bureaus. '' -- - # # * * DISPUTE ITEM # 5 : PAYMENT HISTORY DISCREPANCIES * * # # # * * Legal Foundation * * * * FCRA Violations * * : - Section 623 ( a ) ( 1 ) ( A ) - Accurate payment history reporting - Section 623 ( a ) ( 2 ) - Consistent accuracy across bureaus # # # * * Detailed Description of Violation * * The payment history shows different patterns across credit bureaus for the same time periods, particularly in the historical data from XXXX. 

* * Specific Inconsistencies : * * - * * Historical Payments * * : Different late payment indicators ( 30, 60, 90, 120 ) across bureaus - * * Timeline Discrepancies * * : Same months showing different payment statuses- * * Pattern Variations * * : Inconsistent progression of payment problems # # # * * Impact on Consumer * * Inaccurate payment history directly impacts credit scores and lending decisions, as payment history is the most significant factor in credit scoring models. 

# # # * * Dispute Language * * " Payment history is being reported inconsistently across credit bureaus for identical time periods. This violates FCRA Section 623 ( a ) ( 1 ) ( A ) requiring accurate payment history reporting. Request verification and correction of all payment history data. '' -- - # # * * DISPUTE ITEM # 6 : CREDITOR REMARKS INCONSISTENCIES * * # # # * * Legal Foundation * * * * FCRA Violations * * : - Section 623 ( a ) ( 2 ) - Uniform reporting requirements- Section 611 ( a ) ( 1 ) - Accurate dispute resolution reporting # # # * * Detailed Description of Violation * * Creditor remarks vary significantly across bureaus, providing different explanations for the same account status and dispute history. 

* * Specific Variations : * * - * * TransUnion * * : " Dispute resolved; reported by grantor '' - * * Experian * * : " Account was in dispute - now resolved - reported by subscriber '' - * * Equifax * * : " Consumer disputes this account information. Account previously in dispute- now resolved by data furnisher '' # # # * * Impact on Consumer * * Inconsistent creditor remarks create confusion about account status and dispute history, potentially affecting future credit decisions. 

# # # * * Dispute Language * * " Creditor remarks are inconsistent across bureaus, violating the requirement for uniform reporting. Request standardization of remarks to accurately reflect account status and dispute resolution history. '' -- - # # * * SUMMARY OF RECOMMENDED ACTIONS * * # # # * * Immediate Steps : * * 1. File formal disputes with all three credit bureaus 2. Send dispute letter directly to XXXX XXXX 3. Request complete account documentation 4. Document all inconsistencies with screenshots/copies # # # * * Follow-up Actions : * * 1. Monitor for corrections within 30-day investigation period 2. Escalate to CFPB if violations persist 3. Consider legal action for willful non-compliance 4. Request method of verification for any items not corrected # # # * * Expected Outcomes : * * - Uniform reporting across all three bureaus - Accurate credit limit reporting - Correct dispute status - Consistent payment history - Updated verification dates I have requested verification and proof of information 5 different times and the reporting bureaus have not verified or updated proof. This information is inaccurate and illegally being reported.

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