Consumer complaint received 2025-05-03 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX TO : Equifax/Experian/TransUnion Re : Formal Dispute and Demand for Manual Reinvestigation XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX & a response addressing reporting inconsistencies across all three credit bureaus. 

To Whom It May Concern, I am formally disputing the accuracy, integrity, and legality of the collection account with the account number ending in XXXX, reported by XXXX XXXX XXXX on behalf XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is being reported with material inconsistencies and omissions across the three major credit bureaus. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681, I am exercising my right to demand a thorough manual reinvestigation.

Summary of Material Inaccuracies : 1. Last Activity Status : TransUnion reports : XX/XX/XXXX ( Charge-Off ) Equifax reports XXXX XX/XX/XXXX ( Closed ) Experian reports : XX/XX/XXXX ( Charge-Off ) 2. Most Recent Adverse Rating : TransUnion : Collection/Charge-Off Equifax : No Data Available Experian : Collection/Charge-Off 3. Comments : TransUnion : Settled Less Than Full Equifax : Account Paid Less Than Full Experian : Paid in Full for Less Than Full / Loss 4. Monthly Payment : All three bureaus report {$0.00} Unpaid Balance : All three bureaus report {$0.00} 5. Term and Payment History : All three bureaus list this data as blank or not available These inconsistencies are significant. The last activity dates differ by over two years, the status and settlement comments conflict, and the absence of payment history and term data violates the minimum standard for accurate reporting under FCRA 1681e ( b ).

Additionally, reporting a charge-off and {$0.00} balance simultaneously without clear explanation can mislead lenders and result in credit denials or unfavorable terms.

I also respectfully demand a clear explanation as to why this account is being reported with materially different information across all three credit bureaus. These discrepanciesranging from status and comments to dates and termsundermine the accuracy and reliability required by FCRA 1681e ( b ). I request a specific response addressing these inconsistencies, not a generic verification or update statement.

Demand for Action Under FCRA 1681i : Pursuant to FCRA 1681i ( a ) ( 1 ) ( A ), I request : -A full manual reinvestigation of this account.

-A complete Method of Verification ( M.O.V. ), including : -A complete and itemized breakdown of the debt ; -The original signed contract or agreement between myself and XXXX XXXX XXXX XXXX XXXX -Proof that Credit Collection Services has a valid, legal right to collect this debt ; -Full documentation proving the accuracy of the amount and status ; -All notices sent to me as required under the FCRA and FDCPA ; -All records relating to how the settled for less than full balance status was determined. 

If any of the above can not be legally and fully verified, I demand immediate removal of this account from all consumer credit reporting agencies. 

Do Not Use e-OSCAR or Automated Processing This dispute must be reviewed manually. I formally request that this dispute not be processed through the e-OSCAR system, which is incapable of addressing the level of detail and legal inconsistencies present in this case. I am invoking my right to a manual investigation under federal law, and expect a substantive, documented responsenot a generic template reply. 

Timeline for Response : In accordance with FCRA 1681i ( a ) ( 1 ) ( A ), you are required to : Complete your reinvestigation within 30 calendar days of receipt of this letter ; Provide me with written results, corrections, and all supporting documentation within 5 business days of the investigation 's conclusion.

Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney generals office, and may result in civil litigation under the FCRA.

Conclusion : If the credit bureaus and/or data furnisher can not substantiate this account with verifiable, documented proof, the only legally permissible action is to delete this account from my credit file in accordance with FCRA 1681i ( a ) ( 5 ) ( A ). 

Please send all correspondence and responses to the address listed above and/or respond to cfpb.gov dispute in clear detail. 

Attached to this dispute is my government issued state identification & my bank statement bearing my address for verification purposes & a copy of my credit report highlighting all of the inconsistencies listed above. 

Sincerely, 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