Consumer complaint received 2025-08-17 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To Whom It May Concern, I am formally disputing the reporting of the following account as inaccurate, inconsistent, and misleading, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Creditor/Account Name : XXXX XXXX  Account Number : TransUnion : XXXX Experian : XXXX Equifax : XXXX This account is reported differently across TransUnion, Experian, and Equifax, which violates the requirement under FCRA 1681e ( b ) that consumer reporting agencies must assure maximum possible accuracy.

Specific Inconsistencies Date of Last Activity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Contradictory reporting of last activity date violates FCRA 1681e ( b ). 

Account Type XXXX & XXXX : Credit Card XXXX  : Blank Material omission creates misleading reporting, violating FTC Staff Opinion Letters on accuracy obligations.

Remarks/ Account Status XXXX : Blank XXXX  : Charged Off Account XXXX : Unpaid balance reported as a loss by credit grantor / Closed at credit grantors request Three conflicting descriptions for the same account status violate 1681i ( a ) ( duty to reinvestigate ). Case law supports that contradictory charge-off vs. closed reporting is misleading ( Saunders v. Branch Banking & Trust Co. , 526 F.3d 142 ( 4th Cir. 2008 ) ).

Delinquency History ( 30/60/90 ) XXXX  : XXXX XXXX  : XX/XX/XXXX1/1/27 ( factually impossible ) XXXX : 1/1/4 ( factually impossible ) Impossible d

elinquency sequences are clear violations of FCRA 1681e ( b ) and Cushman v. Trans Union Corp. , 115 F.3d 220 ( 3d Cir. 1997 ). Months Reviewed XXXX & XXXX : XXXX XXXX : Blank Conflicting/incomplete reporting indicates lack of proper verification. 

Term/Source/Type XXXX XXXX XXXX : Blank Incomplete reporting undermines accuracy and completeness.
High Balance XXXX & XXXX : {$2600.00} XXXX  : {$0.00} Conflicting material data violates FCRA 1681i.

High Credit XXXX XXXX XXXX : {$3300.00} XXXX  : {$0.00} Inaccurate reporting misrepresents account limits/usage. 

Payment History XXXX : No history available XXXX  : 100 % on-time XXXX  : 8 % on-time Reporting perfect vs. near-default payment histories on the same account is materially misleading and prejudicial. Courts have recognized that misleading credit information is as actionable as factually false information ( Richardson v. Fleet Bank, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) ).

Legal Basis FCRA 1681e ( b ) : CRAs must ensure maximum possible accuracy.

FCRA 1681i : CRAs must reinvestigate disputed items within 30 days.

FCRA 623 ( a ) ( 8 ) : Direct disputes filed via CFPB.gov must be treated the same as disputes submitted directly to CRAs.

FTC/CFPB Guidance : Contradictory and incomplete reporting is inherently misleading and violates consumer protection standards.

Case Law : Cushman v. Trans Union and Richardson v. Fleet Bank establish that misleading or contradictory data constitutes a violation.

My Demands Conduct a full reinvestigation of this account.

Provide a Method of Verification ( MOV ) under 1681i ( a ) ( 6 ) ( B ) ( iii ) within 15 days if you verify as accurate.

Correct or delete all inaccurate, incomplete, and unverifiable information.

Ensure future reporting is consistent and compliant across all bureaus.

Deadlines 30 days from receipt for reinvestigation ( per 1681i ).

15 days for Method of Verification if verified as accurate.

Preservation of Rights If you fail to comply, or continue reporting inaccurate information, I reserve my right to pursue all available remedies under the FCRA, including but not limited to civil litigation for statutory, actual, and punitive damages, plus attorneys fees. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief