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 XXXXXXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax Information Services LLC XXXXXXXX XXXX XXXX, XXXX, XXXX  XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX  XXXX Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX  ( Acct. # XXXX ) To Whom It May Concern : This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding materially inaccurate and inconsistent reporting of the above-referenced account. Under 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to ensure maximum possible accuracy in consumer reports. The reporting of this account between Equifax and Experian contains multiple contradictions that are misleading, incomplete, and in violation of the law. 

Disputes submitted through XXXX are to be treated no differently than direct disputes under 15 U.S.C. 1681s-2 ( a ) ( 8 ). 

Disputed Inconsistencies 1. Date of Last Activity XXXX  & Experian : XX/XX/XXXX I do not recall any activity on this account in XXXX. If this date is unverifiable, it must be removed. 
Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) held that CRAs must do more than accept a furnishers word ; they must conduct a reasonable reinvestigation.

2. Status of Account Equifax : Refinanced Experian : Charge-off Reporting two different statuses creates confusion and violates 1681e ( b ). In Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ), the court held that inconsistent credit information is misleading and must be corrected.

3. Most Recent Adverse Rating Equifax : No data available Experian : Collection/Charge-off Failure to consistently report an adverse rating is materially misleading to potential creditors.

4. Comments Equifax : Refinanced Experian : Unpaid balance reported as a loss by credit grantor Contradictory remarks misrepresent the true nature of the account, violating 1681e ( b ) and FTC guidance on accuracy.

5. Payment History Equifax & Experian : No history available Omitting payment history while simultaneously reporting the account as refinanced or charged-off is misleading. Courts have
found such inconsistencies actionable under Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ).

Legal Demands Reinvestigation : Conduct a complete reinvestigation into each of the inconsistencies listed above pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) within 30 days.

Correction or Deletion : If you can not verify accuracy with original source documentation, the account must be corrected or deleted under 1681i ( a ) ( 5 ) ( A ).

Method of Verification ( MOV ) : If verified as accurate, provide a Method of Verification within 15 days of verification as required by 1681i ( a ) ( 6 ) ( B ) ( iii ), including : The name, address, and phone number of the furnisher, The documents relied upon, An explanation of how conflicting data was reconciled.

Prohibition Against Re-Aging : Any attempt to re-age or reinsert unverifiable information without proper certification under 1681i ( a ) ( 5 ) ( B ) will be considered a willful violation. 

Preservation of Rights If these violations continue, I will escalate this matter by : Filing additional complaints with the CFPB, FTC, and state regulators, and Pursuing litigation under 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) for actual, statutory, and punitive damages, plus attorneys fees. 

Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation