Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information on my Credit Report To Whom It May Concern : I am writing to dispute inaccurate information on my TransUnion credit report. I have reviewed my report and found several discrepancies when compared to my records and reports from other bureaus. I request that you investigate these items and correct them to ensure the accuracy of my credit history. 
The following accounts are being reported inaccurately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is listed with a " Paid '' status on my TransUnion report. However, the Equifax report shows this same account as " XXXX ''. Please investigate and update the status to reflect the correct information, which I believe to be " XXXX ''. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * The monthly payment for this rental agreement is listed as {$1300.00}. Equifax reports a {$0.00} monthly payment for this account. Please verify the correct monthly payment amount and update my report. 
* The number of months for the term is listed as XXXX, while Equifax reports XXXX. Please correct this to reflect the accurate term length. 
* XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe date opened is listed as XX/XX/XXXX. Equifax reports the date opened for this same account as XX/XX/XXXX. Please correct the date to ensure consistency and accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account, detailed as a " Utility company, '' is reported by TransUnion but does not appear on my Experian or Equifax reports. Please verify that this account should be on my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This self-reported telecom account appears on my TransUnion report but not on the others. 
* Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This is another self-reported telecom account that only appears on my TransUnion report. 
* For both of these accounts, please verify their accuracy and ensure they are being reported correctly. 
I have enclosed a copy of the relevant portions of my credit report highlighting these discrepancies. Please investigate these matters and send me a written notification of the results of your investigation and a copy of my corrected credit report. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on my Credit Report To Whom It XXXX Concern : I am writing to dispute inaccurate information on my Experian credit report. Upon reviewing my report, I have identified several inconsistencies when compared with my records and reports from the other credit bureaus. I request a thorough investigation into these items and their correction to ensure my credit history is accurate. 
The following accounts are being reported inaccurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Experian report lists the " High Credit '' for this account as {$1200.00} and the " Credit Limit '' as {$1000.00}. The Equifax report lists the " High Credit '' as {$1000.00} and the " XXXX XXXX '' as {$0.00}. Please investigate this discrepancy and correct the amounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXs account is reported with a " Paid '' status. However, Equifax reports this account as " XXXX ''. Please investigate and update the status to accurately reflect the account 's standing. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhe " High Credit '' is listed as {$440.00} and the " Credit Limit '' is {$400.00}. Equifax reports a " High Credit '' of {$400.00} and a " XXXX XXXX '' of {$0.00}. Please correct these amounts to reflect the accurate credit history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The " High Credit '' is reported as {$840.00} and the " Credit Limit '' is {$800.00}. The Equifax report shows a " High Credit '' of {$800.00} and a " XXXX XXXX '' of {$0.00}. Please investigate and correct these figures. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : The " High Credit '' is listed as {$3500.00}. Equifax reports a " High Credit '' of {$5100.00} for an account with the same number and a similar opening date. 
* Account Opened XX/XX/XXXX : The " High Credit '' is shown as {$1300.00}. 
* XXXX Department of Education accounts appear to be fragmented and reported with different details across the bureaus. I request a comprehensive review to consolidate and accurately report these tradelines. 
* XXXX XXXX Account ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This rental agreement is reported on my Experian report but not on TransUnion or Equifax. Please verify that this account is being reported correctly and should be included in my credit file. 
I have enclosed the relevant sections of my credit report highlighting these issues. Please conduct an investigation and provide me with written notification of the outcome and an updated copy of my credit report. 
Thank you for your time and attention to this important matter. 
Sincerely, XXXX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Information on my Credit Report To Whom It May Concern : I am writing to dispute several items of inaccurate information on my Equifax credit report. After a careful review, I have found significant discrepancies between how accounts are reported by Equifax versus other credit reporting agencies. I request that you investigate these inaccuracies and correct my credit file accordingly. 
The following accounts require correction : * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My Equifax report lists the " High Credit '' as {$1000.00} and the " Credit Limit '' as {$0.00}. Experian reports a " High Credit '' of {$1200.00} and a " XXXX XXXX '' of {$1000.00}. Additionally, the " Account Type - Detail '' is missing on the Equifax report but is listed as " Credit Card '' by Experian. Please investigate these discrepancies and update the information for accuracy and completeness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The " Monthly Payment '' is listed as {$0.00}, and the term is 0 months. TransUnion reports a " {$1300.00} '' monthly payment and a term of 1 month. Please correct these details to reflect the true terms of the rental agreement. 
* XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The " Date Opened '' is listed as XX/XX/XXXX. TransUnion reports this account as opened on XX/XX/XXXX. Please correct the date for this account. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The " High Credit '' is listed as {$400.00} and the " Credit Limit '' is {$0.00}. Experian reports a " High Credit '' of {$440.00} and a " XXXX XXXX '' of {$400.00}. The " Account XXXX - XXXX '' is also missing on my Equifax report. Please correct these financial figures and complete the account details. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The " High Credit '' is reported as {$800.00} and the " Credit Limit '' is {$0.00}. Experian reports a " High Credit '' of {$840.00} and a " XXXX XXXX '' of {$800.00}. This account is also missing the " Account XXXX - XXXX '' on the Equifax report. Please correct these figures and add the missing detail. 
* XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount Opened XX/XX/XXXX : The " High Credit '' is listed as {$5100.00}. Experian reports a " High Credit '' of {$3500.00} for an account with the same number and opening date. 
* Account Opened XX/XX/XXXX : The " High Credit '' is listed as {$3500.00}. 
* Account Opened XX/XX/XXXX : This account appears on other bureaus ' reports but is missing from Equifax. 
* The reporting of these student loans is fragmented and inconsistent. I request a full investigation to consolidate these tradelines and report them accurately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * This account is listed as " Transferred '' on my Equifax report but does not appear on the other XXXX reports. Please verify that this account status is correct and that it should be on my report. 
I have included a copy of my credit report with the disputed items highlighted. I expect a thorough investigation into these matters and to be informed in writing of your findings, along with a copy of my corrected report. 
Thank you for your prompt assistance. 
Sincerely, [ 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