Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate, Incomplete, and Inconsistent Reporting XXXX XXXXXXXX ( Account No. XXXX ) Dear Credit Bureau Representative, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the XXXX XXXX account referenced above. The reporting across your agencies contains material inconsistencies, inaccuracies, and incompleteness that directly violate FCRA standards of accuracy and fairness.

Documented Inconsistencies 1. Date of Last Activity TransUnion : XX/XX/XXXXXXXX XXXX XXXX Equifax : XXXX XXXX XXXXXX/XX/XXXX Experian : XX/XX/XXXX 2. Account Type TransUnion : Credit card Equifax : Bank Experian : Credit card 3. Delinquency History ( 30/60/90 Days Late ) TransUnion : 2/2/1 Equifax : 2/2/1 Experian : 2/2/1 I have never been late

paying this account. If this is verified as accurate, I demand full Method of Verification. 4. Months Reviewed TransUnion : 48 Equifax : 56 Experian : 51 5. Term Source Type TransUnion : Blank Equifax : Blank Experian : Blank 6. Term Count TransUnion : XXXX Equifax : XXXX Experian : XXXX 7. Payment History TransUnion : 90 % on-time Equifax : 79 % on-time Experian : 80 % on-time CFPB.gov Disputes Carry the Same Legal Weight as Direct Disputes Pursuant to FCRA 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ], disputes submitted through the Consumer Financial Protection Bureau ( CFPB.gov ) complaint portal must be treated with the same legal effect and obligations as disputes submitted directly to a consumer reporting agency or furnisher.

This means the credit bureaus can not lawfully downgrade, delay, or treat CFPB.gov disputes differently than direct disputes. All statutory duties under FCRA 607 ( b ), 611, and 623 apply equally, including the 30-day reinvestigation requirement and the duty to delete unverifiable or inconsistent information.

Applicable Law, Guidance, and Case Law FCRA 607 ( b ) : CRAs must maintain 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, the CRA must provide a Method of Verification ( M.O.V. ), including the furnishers name, address, phone number, and records relied upon.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

FCRA 623 ( a ) ( 8 ) : Disputes submitted through the CFPB.gov portal are legally equivalent to direct disputes.

CFPB Bulletin 2013-09 : CRAs must conduct reasonable investigations and not rely solely on furnishers.

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

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

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

Demand for Action Immediate Deletion of the XXXX XXXX account across all three bureaus due to irreconcilable inconsistencies, factual inaccuracies, and false delinquency reporting.

If verified, provide Method of Verification ( M.O.V. ) within 15 days of the verification notice, including : Furnishers name Furnishers address Furnishers telephone number Exact records relied upon in verification Deadlines 30 days : Reinvestigation must be completed with written results.

15 days : M.O.V. must be provided if verified.

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

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation