Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX XXXX XXXX Experian, TransUnion, or Equifax Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX I am writing to formally dispute several inaccuracies on my credit report regarding the XXXX XXXX XXXX account referenced above. Upon reviewing my credit reports from Experian, TransUnion, and Equifax, I have identified multiple discrepancies that need to be corrected in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i.

I respectfully request that these errors be corrected and updated within 4 business days from the receipt of this letter. 
1. Last Payment Date Discrepancy : TransUnion and Experian list the last payment date as XX/XX/XXXX. 


Equifax lists the last payment date as XX/XX/XXXX. 


Please verify the correct last payment date with XXXX and update the reports accordingly. 
2. Charge-Off and Payment History Inconsistencies : TransUnion and Experian show the account as charged off and list the past due balance as {$7100.00}. 


Equifax lists the past due balance as {$7100.00} but marks charge-off as the worst payment status. 


There is a discrepancy in how the charge-off status is presented across the reports. TransUnion and Experian do not specify it as the worst payment status, but Equifax does. Please ensure consistency and verify the charge-off status across all reports. 
3. Discrepancies in 90-Day Late Payments : TransUnion and Experian report 2 90-day late payments.

Equifax reports 29 90-day late payments.

This is a significant discrepancy that affects the overall credit standing of the account. Please verify and correct the number of 90-day late payments across all reports.

4. Dispute Status Inconsistency : TransUnion lists Dispute resolved subscriber disagrees.

Equifax lists Consumer disputes after resolution.

Experian does not mention any dispute status.

Please verify and update the dispute status consistently across all three credit bureaus, as this may lead to confusion regarding whether a dispute was initiated and resolved.

5. Profit and Loss Write-Off Remark : TransUnion includes the remark Profit and loss write-off.

Equifax and Experian do not include this remark.

Please confirm the accuracy of this remark and ensure it is reported consistently across all credit bureaus.

6. Charge-Off Amount Discrepancy : Experian reports the original balance as {$16000.00} and the written-off amount as {$14000.00}.

TransUnion and Equifax both report the current balance as {$7100.00} and the original balance as {$16000.00}.

There appears to be a discrepancy between the written-off amount reported by Experian and the current balance shown by the other bureaus. Please verify the correct written-off amount and ensure consistency across all reports. 
Request for Documentation : I request that you provide me with the original loan agreement and the terms and conditions for this XXXX XXXX XXXX account. If this documentation is not provided within the 4-day period, I will request the removal of this account from my credit report, as the failure to provide such documents violates my consumer rights under 15 U.S.C. 1681b.

Resolution : I request that the following actions be taken : Correct the last payment date inconsistency across the reports.

Verify and correct the charge-off status and ensure consistency in reporting across all bureaus.

Verify and correct the 90-day late payment history across all bureaus.

Update the dispute status to be consistent across all credit reports.

Verify the Profit and loss write-off remark and ensure consistent reporting.

Verify the written-off amount and update all bureaus with consistent information.

In accordance with 15 U.S.C. 1681i, I expect a response within 4 business days from the receipt of this letter, and I request that you send me an updated copy of my credit report once these corrections have been made. 
If these issues are not resolved within the required time frame, I will pursue further legal action, including requesting the removal of this account from my credit report under the provisions of the Fair Credit Reporting Act. 
Thank you for your prompt attention to this matter. I look forward to your response and the resolution of these inaccuracies.

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