Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #13100683

Complaint Overview

Complaint ID: 13100683

Company: Experian Information Solutions INC.

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Sub-Issue: Account information incorrect

State: New York

ZIP Code: 11233

Date Received: 2025-04-21T12:00:00-05:00

Date Sent to Company: 2025-04-21T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

XXXX XXXX XXXX XXXX Account Ending in [ XXXX ] Creditor : XXXX XXXX XXXX XXXX Balance Reported : {$4500.00} Credit Bureaus Involved : Equifax, Experian, TransUnion Status : Closed by Credit Grantor / Derogatory Summary : I am formally disputing the accuracy and completeness of the XXXX XXXX XXXX XXXX account reported on my consumer credit files. This account contains multiple material inconsistencies, contradictions across the credit bureaus, and was furnished with missing or unverifiable data violating multiple sections of the Fair Credit Reporting Act ( FCRA ). I am requesting full deletion of the account from TransUnion, Equifax, and Experian due to failure to comply with FCRA obligations to report data that is accurate, complete, consistent, and verifiable. Detailed Inconsistencies Across Credit Bureaus ( Insert exact data points if you have your report but here 's a general structure for this account based on common reporting errors for XXXX XXXX charge-offs ) : 1.Open Date Conflicts Each bureau reports a slightly different open date, misaligning the credit age and history. 2.Account Status Conflicts One bureau reports : Closed by credit grantor Another shows : Open Derogatory Another says : Account Closed Past Due These can not all be true and misrepresent the accounts standing. 3.Responsibility Field Mismatch One bureau lists the account as Individual Another shows Joint or Undesignated This affects how the debt is calculated in utilization and scoring. 4.Delinquency Reporting Conflict ( 30/60/90 Days Late ) TransUnion shows 2 late payments Equifax show s 1 late payment Experian shows different late payment months altogether 5.High Balance or Credit Limit Conflicts Reported high credit and balance figures vary across bureaus by hundreds of dollars, without explanation or documentation. 6.Monthly Payment Listed as {$0.00} A revolving or installment account should not reflect {$0.00} as a monthly obligation unless charged off with supporting documentation this misleads scoring models. 7.Date of Last Activity Conflict Equifax, Experian, and TransUnion show different last activity dates, which suggests improper re-aging. 8.Missing or Inaccurate Payment History Timeline One bureau shows no payment history One shows partial/fragmented months One reflects " Unknown '' for months reviewed or historical delinquencies 9.Remarks or Comments Field Conflicts One shows Charge-off Another lists Account paid as agreed One has no remarks at all This creates confusion for lenders and misrepresents my credit risk. FCRA Violations This account is in direct violation of multiple sections of the Fair Credit Reporting Act, including : FCRA 1681i ( Section 611 ) : You must conduct a reasonable reinvestigation of disputed accounts and delete any that can not be fully verified. FCRA 623 ( a ) ( 5 ) : Furnishers are required to provide the Date of First Delinquency ( DOFD ) accurately. The discrepancies suggest this was not properly submitted or verified. FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : I am invoking my right to request the Method of Verification ( MOV ) for this account. My Demands : Full deletion of this XXXX XXXX XXXX XXXX account from my credit file due to repeated and unresolved inaccuracies and lack of verification. Full Method of Verification ( MOV ) : Provide the name, mailing address, and phone number of the individual or entity who verified this data. Explain exactly how the information was verified ( manual review, electronic method, etc. ). Tangible proof of this accounts validity and accuracy : A signed original application or contract bearing my name. Complete billing statements that validate the balance and transaction history. A breakdown of each late payment and its date, as reported. Documentation of the accurate Date of First Delinquency ( DOFD ). Resolution Requested : Due to these discrepancies and lack of compliance with federal regulations, I request that this account be deleted from all credit reports immediately. If it can not be verified with complete, consistent, and tangible evidence across all credit bureaus, it must be removed under FCRA 611 ( a ) ( 5 ) ( A ). Attached Is My Government Issued state Identification, my lease and proof of inaccurate/inconsistent reporting

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