Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To : XXXX DEPARTMENT TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of Inaccurate Reporting XXXX Mortgage Account # XXXX To Whom It May Concern, I am formally disputing the accuracy and integrity of the reporting on the above-referenced XXXX mortgage account that appears on my credit file. After carefully reviewing my reports from TransUnion, Experian, and Equifax, I have identified clear, contradictory, and legally impermissible inaccuracies that violate the Fair Credit Reporting Act ( FCRA ). 




Specific Inaccuracies Identified XXXX. Payment Status Conflicts o TransUnion reports the account as Paid or paying as agreed.

o Experian reports Current, was past due 120 days.

o Equifax reports Pays account as agreed. 
XXXX. 
These inconsistent statuses can not simultaneously be true. An account can not legally be paying as agreed and 120 days past due at the same time. This is a direct violation of 15 U.S.C. 1681e ( b ) ( failure to follow reasonable procedures to assure maximum possible accuracy ). 
XXXX. Extended Payment History Errors o Experian reports severe derogatory late payments ( 60120 days past due in XXXX XXXX ). 
o TransUnion and Equifax both report OK/current for those same months. 
XXXX. 
This inconsistency proves that Experian is publishing false and defamatory information. By law, the bureaus are required to ensure accuracy across reporting ; failing to do so subjects them to liability. 
XXXX. Contradictory Comments o Experian lists contradictory notations such as Current, was past due 120 days while my TransUnion/Equifax files show no such derogatory history. 
XXXX. 
This inconsistency materially damages my creditworthiness and constitutes a violation of 15 U.S.C. 1681i ( failure to reinvestigate disputed information ). 





Legal Support Courts have repeatedly ruled that credit reporting agencies may be held liable for reporting inaccurate or misleading information : XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX CRA must do more than a superficial review ; they must conduct a meaningful reinvestigation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) Reporting misleading payment history constitutes inaccuracy under the FCRA. 
XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs are strictly liable for failing to ensure maximum possible accuracy. 




These legal precedents make it clear that your agencys current reporting is in violation of federal law. 




Demand for Immediate Action Pursuant to my rights under the FCRA, I demand the following : XXXX. Immediate deletion or correction of the XXXX account from my file if you can not verify it with 100 % accuracy. 
XXXX. A full reinvestigation of the payment history, with documented proof of accuracy provided to me within 30 days. 
XXXX. Written confirmation that these errors have been permanently corrected or removed. 


If you fail to comply, I will pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Florida Attorney Generals Office, and initiating civil litigation for damages under 15 U.S.C. 1681n and 1681o. 




Conclusion This account is being reported inconsistently, inaccurately, and unlawfully across the bureaus. You are hereby on notice that failure to correct or delete this inaccurate information will result in immediate escalation. 

I expect compliance within 30 days as required by law. 

Sincerely, XXXX XXXX XXXX SSC : XXXX D.O.B. XX/XX/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