Consumer complaint received 2025-04-27 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:
To : Experian / Equifax / TransUnion From : XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Date : XX/XX/XXXX Account in Dispute : Debt Collector : XXXX XXXX Associates Alternate Names Listed : XXXX XXXX / XXXX XXXX XXXX XXXX XXXX Account Number ( Last 4 Digits ) : XXXX Balance : {$400.00} Formal Dispute and Request for Immediate Deletion Under the FCRA and FDCPA I am formally disputing the accuracy, completeness, and verifiability of the above-referenced collection account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ).

Upon detailed review, this account contains critical inaccuracies, inconsistencies, and omissions across all three credit bureaus, including : Identified Violations and Errors : Multiple Names Listed : Appearing as XXXX XXXX XXXX and XXXX XXXX XXXX a clear violation of FCRA 607 ( b ) due to misleading reporting. 

Conflicting Account Opening Dates : TransUnion : XX/XX/XXXX Equifax and Experian : XX/XX/XXXX Missing Original Creditor : No original creditor is identified in violation of FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ).

Incorrect Reporting of Monthly Payment : {$0.00} monthly payment reported on a collection account is illogical and violates FCRA 607 ( b ).

Blank Term Source Type : Missing mandatory reporting field required under FCRA 609 ( a ) ( 1 ).

Contradictory Status Reporting : " Open '' on TransUnion and Equifax vs. " Charge-Off '' on Experian mutually exclusive statuses, violating FCRA 607 ( b ).

Type Reporting Conflict : " Individual '' vs. " Undesignated '' reporting across bureaus, another violation of FCRA 607 ( b ).

Adverse Rating Conflict : Collection/Charge-off listed for some bureaus, no data available for others inconsistent and damaging under FCRA 607 ( b ). Contradictory Comments : " Placed for Collection '' ( TransUnion ) " Collecti
on Account '' ( Equifax ) " Unpaid Balance Reported as a Loss by Credit Grantor '' ( Experian ) Payment History Inconsistencies : No history available on TransUnion and Experian.

100 % on-time payments reported on Equifax for a delinquent collection account logically impossible and violates FCRA 607 ( b ).

Formal Demands : 1. Reinvestigation & Method of Verification ( MOV ) Request : Under FCRA 611 ( a ) ( 7 ), provide the exact method of verification, including who verified this information, how it was verified, and what evidence was used.

Full physical documentation must be produced.

2. Complete Validation of Debt : Under FDCPA 809 ( b ), provide : -A signed agreement with the original creditor. 
-Full billing statements establishing the debt amount. 
-Proof that XXXX XXXX XXXX legally owns this debt ( Chain of Custody documentation ).

-Proof of a valid collection license in my state ( New York ).

3. Immediate Deletion If Verification Fails : If the reporting can not be fully verified and validated with complete and original documentation, the account must be permanently deleted under FCRA 611 and 607 ( b ).

4. Updated Credit Report : Upon completion of your investigation, furnish an updated copy of my credit report showing any corrections made, as required by FCRA 611 ( a ) ( 6 ).

Attached Is A Copy Of My Government Issued Identification, Screen Shot Of The Inaccurate & Inconsistencies This Account Has Been Incorrectly Been Reporting To The Credit Bureaus & My W-2 Signature : XXXX 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