Consumer complaint received 2025-05-05 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  XXXX SSN ( Last Four ) : XXXX DOB : XX/XX/XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion/Equifax/Experian Re : Formal Dispute and Request for Full Verification XXXX XXXX ( Account # XXXX * * ) To Whom It May Concern, I am formally disputing the accuracy, completeness, and legal reporting of the above-referenced XXXX XXXX account as it appears on my credit report. This account is in violation of several requirements under the Fair Credit Reporting Act ( FCRA ), particularly 1681e ( b ), 1681i, and 1681s-2, which require that data furnished be complete, accurate, and capable of verification. 

This account is being reported across all three major credit bureaus TransUnion, Experian, and Equifax and contains numerous discrepancies, omissions, and conflicting data points, including the following : Critical Inconsistencies Identified : Date Opened : TransUnion : XX/XX/XXXX Experian & Equifax : XX/XX/XXXX XXXX account can not have multiple open dates. This violates the FCRA 's requirement for accurate reporting ( 1681e ( b ) ). 

Monthly Payment : All three bureaus report : {$0.00} A revolving credit account with a XXXX payment and no closure date should be flagged for completeness verification. 

High Credit : TransUnion : {$320.00} Experian : {$0.00} Equifax : {$94.00} Three different high credit amounts reported this is materially inconsistent. 

Credit Limit : TransUnion & Experian : {$200.00} Equifax : {$0.00} A credit card account can not have a {$0.00} credit limit. This not only creates reporting inconsistencies but also gives rise to legal concern about its validity. 

Last Reported Date : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Comments : TransUnion : Charged off as bad debt ; profit and loss write-off Experian : Unpaid balance reported as a loss by the credit grantor Equifax : Charged off account credit card These conflicting notations create a muddied picture of the accounts true nature. 

Date Last Active : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Date of Last Payment : TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Payment History from XX/XX/XXXX XXXX XXXX : TransUnion : Blank Experian : CO ( Charge-Off ) every month Equifax : OK every month This is an egregious example of fundamentally conflicting payment history reporting. 

I Am Formally Requesting the Following : 1. A manual reinvestigation of this account not an automated e-OSCAR-generated outcome. 

2. A full Method of Verification ( MOV ) in compliance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Include the name, phone number, and mailing address of the party who verified this account. 

3. A copy of the original signed agreement or contract bearing my signature. 

4. Proof of the validity of the account charges, statements, and charge-off details. 

5. All legal documentation verifying the furnishing of this data to TransUnion, Experian, and Equifax. 

6. If XXXX is no longer servicing this account, I request : The exact date the debt was charged-off Documentation showing who purchased the account and when. 

7. A clear and documented explanation of how three separate bureaus could report such materially inconsistent and conflicting data. 

If you are unable to verify this account in full, I demand it be immediately deleted from my credit report in accordance with FCRA XXXX ( a ) ( XXXX ). 

I am requesting a detailed, non-generic response that directly addresses the current reporting inconsistencies I have identified across the credit bureaus. A blanket " verified as accurate '' reply without specific findings or documentation will be considered noncompliant with FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), and I will escalate accordingly if not properly addressed. 

Important Note : If there are any other open, pending, or prior disputes related to this specific XXXX XXXX account ( Account # XXXX * * ) * *, I formally request that those be disregarded, canceled, or superseded by this current dispute. This letter serves as my most recent, comprehensive, and intentional dispute regarding this account. I request that all attention be placed on the concerns and demands stated herein, and that this submission be treated as the primary active dispute on record for this item. 

I look forward to receiving your written response within 30 days, as required by the FCRA. Please send all correspondence to my mailing address listed above. 

Attached Is a copy of my government issued state identification and a copy of my bank statement for verification purposes. Also there is a screenshot proof of highlighted inconsistencies on my consumer report. Thank You 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