Consumer complaint received 2025-09-05 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:
Important Correction : This dispute was originally submitted under the wrong consumers personal information ( XXXX XXXX XXXX ) by mistake. That filing should be disregarded. The correct consumer information for this dispute is : Name : XXXX XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX Please update your records and process this dispute under XXXX XXXX file only. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Inaccurate, Incomplete, and Inconsistent Reporting XXXX XXXX XXXX XXXX Account No. XXXX ) Dear Credit Bureau Representative, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. regarding the Barclays Bank/Old Navy account . Reporting across the three bureaus contains material inconsistencies, inaccuracies, and incompleteness that violate my rights under federal law.

Documented Inconsistencies 1. Account Status TransUnion & Experian : Charge-off Equifax : Open 2. Date of Last Activity TransUnion & Experian : XX/XX/XXXX ( re-aged debt I have never made any activity on this account in XXXX ) Equifax : Reports prior activity inconsistent with XXXX XXXX. Account Type TransUnion XXXX Equifax : Blank Experian : Charge account XXXX. Delinquency History ( XX/XX/XXXX Days Late ) TransUnion : XXXX Equifax & Experian XXXX XXXX ( mathematically impossible ) XXXX. Months Reviewed TransUnion : XXXX Equifax : XXXX Experian : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Bureaus : XXXX XXXX. High Balance TransUnion : {$840.00} Equifax : {$450.00} Experian : {$0.00} 8. High Credit TransUnion & Experian : {$700.00} Equifax : {$0.00} 9. Payment History TransUnion : No history available Equifax : XXXX % on-time Experian : XXXX XXXX on-time XXXX Disputes Carry the Same Legal Weight as Direct Disputes Pursuant to FCRA 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( XXXX ) ], disputes submitted through the XXXX portal must be treated with the same legal effect and obligations as disputes submitted directly to a credit bureau or furnisher.

Therefore, you are required to comply fully with all statutory obligations under FCRA 607 ( b ), 611, and 623, including the XXXX reinvestigation requirement and the duty to delete unverifiable or inconsistent information. 

Applicable Law, Guidance, and Case Law FCRA 607 ( b ) : Bureaus must ensure maximum possible accuracy. 
FCRA 611 ( a ) ( 1 ) ( A ) : Reinvestigation must be completed within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) : Unverifiable or contradictory information must be deleted.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : If verified, CRAs must provide a Method of Verification ( M.O.V. ), including : Furnishers name Furnishers address Furnishers telephone number Exact records relied upon FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate. 
CFPB Bulletin 2013-09 : CRAs must conduct independent investigations and not rely solely on furnishers.

FTC Staff Opinion Letter ( Cass, 1999 ) : Inconsistent or unverifiable data must be deleted.

Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) : CRAs must conduct independent investigations.

Richardson v. Equifax, 2004 WL 862200 : Failure to comply with timelines requires deletion.

Demand for Action Immediate deletion or correction of the XXXX XXXX XXXX account across all three bureaus due to re-aging, contradictory delinquency reporting, and missing required data fields.

If verified as accurate, provide the Method of Verification ( M.O.V. ) within 15 days of the verification notice, including all items mandated by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

Deadlines 30 days : Reinvestigation must be completed with written results. 
XXXX  days : XXXX. must be provided if verified. 

Preservation of Rights If violations continue, I will escalate through the CFPB, FTC, and private legal action for statutory damages under FCRA 616617. This letter serves as formal notice of preservation of rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief