Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To : TransUnion LLC Equifax Information Services LLC Experian Information Solutions Inc . 

From : Name : XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Date : XX/XX/XXXX Re : Account Dispute XXXX XXXX XXXX XXXX XXXX  ( Account # unknown ) To Whom It May Concern, I am writing to formally dispute the accuracy and consistency of an account being reported under XXXX XXXX ( original creditor : XXXX XXXX  ). The information reported across TransUnion, Equifax, and Experian is inconsistent, incomplete, and therefore in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Below are the specific discrepancies : XXXX. Date of Last Activity : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX XXXX. Original Creditor : TransUnion & Experian : XXXXXXXX XXXX  Equifax : Blank 3. Term Source Type : All three bureaus : Blank 4. Account Status : TransUnion & Equifax : Open Experian : Charge Off 5. Most Recent Adverse Rating : TransUnion & Experian : Collection/Charge Off Equifax : No Data Available 6. Comments : TransUnion & Equifax : " Placed for collection '' Experian : " Unpaid balance reported as a loss by credit grantor '' 7. Payment History : TransUnion & Experian : No payment history available Equifax : Reports 100 % of payments made on time This level of contradiction violates the requirement under FCRA 1681e ( b ) that information be reported with maximum possible accuracy. Furthermore : Under FCRA 1681i ( a ), consumer reporting agencies are required to conduct a reasonable reinvestigation if an item is disputed.

-Cushman v. TransUnion Corp. , 115 F.3d 220 ( 3rd Cir. 1997 ) clarified that a CRA must do more than rely on data from the furnisher. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) further confirmed that internal inconsistencies themselves are grounds for inaccuracy. 
Due to the above reporting failures, I am requesting : Immediate deletion of this XXXX XXXXXXXX XXXX account from all three credit bureaus unless all reporting is corrected and aligned consistently across each agency. 
If the account is verified as accurate, I demand the Method of Verification ( MOV ) be provided in compliance with FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), including the name and contact information of the furnisher and the exact procedures used to verify the information.

If your reinvestigation fails to resolve these inconsistencies, I will consider it a willful violation of the FCRA and reserve the right to file complaints with the CFPB and FTC, as well as pursue legal action if necessary. 

Thank you for your immediate attention to this dispute. Please respond within the 30-day timeframe required by law.

Enclosures, Attached is a copy of my state identification for proof of identity a copy of my utility for proof of address a screen shot of the inconsistencies listed on my consumer report Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation