Consumer complaint received 2025-06-12 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  XXXX DOB : XX/XX/XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To Whom It May Concern, I am formally disputing the accuracy and validity of a derogatory account being reported by XXXX  XXXX concerning Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Upon reviewing my credit reports from TransUnion and Experian, I identified numerous material inconsistencies and missing data, all of which raise serious doubts regarding the reliability, accuracy, and completeness of this reporting. These inconsistencies also violate provisions of the Fair Credit Reporting Act ( FCRA ) and related case law. 

The disputed information includes the following discrepancies : XXXX. Inconsistent Account Status : TransUnion reports the account as " Open '' while Experian reports it as " Closed. '' An account can not simultaneously be both open and closed. This conflicting status creates confusion and misrepresents the accounts actual standing. 

XXXX. Missing Last Payment Date : Both bureaus show no reported Last Payment Date, which is essential for assessing account age and delinquency timelines. Under 15 U.S. Code 1681e ( b ), information must be complete and accurate. The omission of such key data calls into question the reliability of the tradeline. 

XXXX. Missing Delinquency History ( XX/XX/XXXX Late Payments ) : There is no monthly payment history ( XXXX day lates ) being reported by either bureau. This absence makes it impossible to understand the alleged pattern of delinquencies and violates FCRAs requirement for full and fair disclosure. 

XXXX. Dispute Status and Remarks Conflict : The Creditor Remarks state : TransUnion : " Dispute resolved; customer disagrees '' Experian : " Subscriber reports dispute resolved - consumer disagrees '' These conflicting remarks imply the matter was previously investigated, yet no Method of Verification was provided to me as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). 

XXXX. No Closed Date Reported : If the account is in collections and closed, a closed date should be present. The absence of this further supports the incomplete nature of this data. 

XXXX. No Account Type Reported : Both bureaus leave this blank. A proper tradeline must define the account type ( e.g., revolving, collection, installment ), per XXXX XXXX reporting standards and FCRA 1681e ( b ). 

XXXX. No Past Due Amount Reported : TransUnion and Experian report -- as the past due amount. For a collection/charge-off, the amount past due should be disclosed. 

XXXX. Missing Verification Details : This account has not been verified with clear documentary evidence as required by FTC XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX ), which mandates a reinvestigation based on supporting documentation not mere parroting of creditor data. 

Legal Grounds for Dispute Pursuant to the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) requires credit reporting agencies to ensure maximum possible accuracy of the information. 

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) mandates reinvestigation if an item is disputed as incomplete or inaccurate. 

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) requires the agency to disclose the Method of Verification if the consumer requests it within 15 days of notice of reinvestigation results. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) emphasizes that failure to conduct a reasonable investigation violates FCRA. 

XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) confirms that furnishing incomplete or ambiguous tradelines may render them inaccurate under the FCRA. 

Formal Demand I demand the following : Immediate reinvestigation of this XXXX  XXXX account under the above-cited laws. 

Deletion of this account if it can not be verified with full supporting documentation, including : Original signed contract with the creditor Complete payment history Statements showing balance calculations Records showing the legal transfer of debt from XXXX XXXX  to XXXX XXXX If you verify the account as accurate, I demand the full Method of Verification ( MOV ) as provided under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) within XXXX  days, including the name, address, and contact information of the party who verified the account and how the verification was conducted. 

If this tradeline can not be substantiated with complete, consistent, and verifiable documentation, it must be deleted immediately from all credit reports. 

Failure to fully comply may result in further legal action including formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and consideration of legal remedies under 15 U.S.C. 1681n and 1681o, which provide for statutory and actual damages, attorneys fees, and punitive damages for willful and negligent noncompliance with the FCRA. 

Attached : A Copy of my state identification for proof of identity a copy of my w2 for proof of address highlighted screenshot of the inconsistencies being reported 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