Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, TransUnion, or Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am writing to formally dispute several inaccuracies on my credit report regarding the XXXX XXXX XXXX account referenced above. Upon reviewing my credit reports from Experian, TransUnion, and Equifax, I have identified multiple discrepancies. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, I am requesting that these errors be corrected within 4 business days from the date of receipt of this letter.

1. Discrepancies in Payment History Late Payments : There is an inconsistency in the number of late payments across the bureaus : Experian and TransUnion report XXXX for XXXX, XXXX, and XXXX  days late, respectively. 


Equifax reports XX/XX/XXXX, especially for XXXX late payments, which is a significant difference. 


I request that you investigate the correct number of late payments with the creditor ( XXXX ) and update all reports accordingly. 


XXXX. Last Payment Date The last payment date is listed as : XX/XX/XXXX on Experian and TransUnion. 


XX/XX/XXXX on Equifax. 


Please verify the correct last payment date with XXXX and update the credit reports accordingly, as this discrepancy affects the reporting accuracy.

3. Balance Discrepancy The balance is consistently reported as {$8000.00} across all three bureaus. However, the original balance is only mentioned in Experian and TransUnion ( as {$9900.00} ) but not on Equifax. 


Please verify that the original balance is properly reflected on all reports. The failure to report this accurately may affect the overall status and history of this account.

4. Account Status Charge-Off The account is marked as charged off across all bureaus, but TransUnion includes the remark Profit and loss write-off, which does not appear on Experian or Equifax. 


I request that this remark be verified for accuracy and consistency across all bureaus and updated accordingly.

5. Dispute Status There are discrepancies in the dispute resolution status : TransUnion and Equifax mention Dispute resolved subscriber disagrees and Consumer disputes after resolution, respectively. 


Experian does not reflect any dispute status, even though I have previously filed a dispute regarding this account. 


Please ensure that the dispute status is accurately reflected across all three credit bureaus, especially if a dispute was previously filed and resolved. 


Request for Documentation : I also request that you provide me with the original loan agreement, including the terms and conditions of the XXXX XXXX XXXX account. If this documentation is not provided within the 4-day period, I will request the removal of this account from my credit report, as the failure to provide such documents violates my consumer rights under 15 U.S.C. 1681b. 
Resolution : I request that the following actions be taken : Correct the payment history discrepancies, including the correct number of late payments. 


Verify and correct the last payment date across all reports. 


Ensure the original balance is reflected consistently across all bureaus. 


Remove or verify the profit and loss write-off remark on TransUnion. 


Ensure the dispute resolution status is updated accurately across all reports. 


Provide me with the original loan agreement and terms and conditions.

In accordance with 15 U.S.C. 1681i, I expect a response within 4 business days from the receipt of this letter, and I request that you send me an updated copy of my credit report once these corrections have been made. 
If these issues are not resolved within the required time frame, I will pursue further legal action, including requesting the removal of this account from my credit report under the provisions of the Fair Credit Reporting Act. 
Thank you for your prompt attention to this matter. I look forward to your response and the resolution of these inaccuracies.

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