Consumer complaint received 2025-04-09 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: DE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, De XXXX XXXX XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : TransUnion/Equifax/Experian Subject : Formal Dispute and Request for Deletion XXXX XXXX XXXX Number : XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the above-referenced account under my credit file pursuant to my rights under the Fair Credit Reporting Act ( FCRA ). The information being reported by your bureau regarding this tradeline from XXXX XXXX XXXX is materially inaccurate, inconsistent, and unverifiable. 

Inaccuracies and Violations : 1. Conflicting Account Status\nThe account is simultaneously labeled as Profit and Loss Writeoff, Charged Off Account, and Unpaid Balance Reported As A Loss. These multiple, conflicting statuses violate FCRA 607 ( b ), which mandates the maximum possible accuracy of any information on a credit report.

2. Inconsistent Last Activity Dates\nAcross credit bureaus, the last activity date for this account varies XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which is impossible for a single tradeline. Only XXXX of these can be factual, and the discrepancies violate FCRA reporting standards. 

XXXX. Factually Impossible Account Closure Date\nThe account is reported as closed on XX/XX/XXXX, yet todays date is XX/XX/XXXX. This indicates backdated or fabricated data, which is factually and logically impossible, and constitutes a clear violation of FCRA 602 ( A ). Such reporting is misleading to creditors and damaging to my creditworthiness. 

4. Contradictory Payment History\nOne bureau shows no payment history available, another claims 50 % of payments made, while a third shows 52 %. These inconsistencies render the account unverifiable and violate FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 5 ).

5. Term Count Conflict\nSome reports list 0 terms, while others show a full 72-month term. These opposing figures create confusion for underwriters and do not reflect maximum possible accuracy as required under FCRA.

6. Inaccurate Reporting of Amount Past Due : The charged-off account is reported with the amount past due left blank on all three credit bureaus. This lack of reporting is misleading and does not accurately reflect the outstanding balance owed on the account. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ), consumers have the right to receive accurate and complete information regarding their credit history. The omission of the amount past due is a violation of the requirement for maximum possible accuracy in credit reporting. I request that the credit bureaus investigate this inconsistency and provide clarification regarding the amount past due on this account. 

7. Inconsistent Monthly Payment Reporting : The monthly payment is reported as {$0.00} across all reports. While this may reflect the current status of a charged-off account, it raises questions regarding the payment history leading up to the charge-off. This inconsistency violates FCRA 609 ( a ) ( 1 ), which requires that consumers receive accurate and complete information regarding their credit history.

8. Inconsistent Balance Amount Reporting : The balance is reported as XXXX in XXXX instance and {$9000.00} in another. This inconsistency in formatting could lead to confusion regarding the accurate amount owed, violating FCRA 607 ( b ), which mandates maximum possible accuracy in reporting.

9. Inconsistent High Balance Reporting : The high balance is reported inconsistently as XXXX in one report and {$11000.00} in another. Such discrepancies can mislead consumers and creditors about the true financial obligation and violate FCRA 607 ( b ).

My Demands Under the FCRA : Under FCRA 611 ( a ) ( 7 ), I am requesting the Method of Verification ( MOV ) your bureau used to validate and continue reporting this account. Specifically, I request : The name, address, and telephone number of the original creditor ( XXXX XXXX XXXX ) All documentation used to verify the validity of this account A signed contract or agreement bearing my signature A complete account ledger, including all payments and balances Any internal communications or reporting notes from XXXX XXXX XXXX justifying the charge-off and current status Resolution Requested : Immediate Deletion Due to the multiple, clear violations of the FCRA and because the information is inaccurate, inconsistent, and unverifiable I am demanding immediate deletion of this tradeline from my credit file under FCRA 611 . 
If your bureau can not validate this account with 100 % accurate and complete documentation, the information must be permanently deleted within 30 days of the receipt of this notice. 
Furthermore, if this tradeline is deleted, I request that it not be reinserted into my credit report without full compliance with FCRA 611 ( a ) ( 5 ) ( B ), including written notice to me within five ( 5 ) business days of reinsertion.

If this dispute is not fully resolved within the allowed timeframe, or if unverifiable information continues to be reported, I am prepared to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and, if necessary, take legal action under FCRA 616 and 617 for any damages caused. 

I have enclosed a copy of my government-issued ID, proof of address, and highlighted sections from my credit report that show the inconsistent and inaccurate data in question. 

I am simply requesting the fair and accurate reporting that I am entitled to under federal law. I appreciate your time and expect prompt resolution. 

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