Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXXXXXX  Date : XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Inaccurate and Incomplete Account Information Account in Dispute : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) Dear TransUnion, Experian, and Equifax Dispute Departments, I am writing to formally dispute the accuracy, consistency, and completeness of the above-referenced account as it appears on my credit reports. Upon review, I have identified numerous violations of the Fair Credit Reporting Act ( FCRA ), which render the current reporting of this account legally deficient and harmful to my credit profile. Unless this account is immediately verified in strict compliance with the law, I request its permanent deletion from all three major credit bureaus. 

1. Inconsistent and Incomplete Reporting Across Bureaus -Date Opened : Reported as XX/XX/XXXXXXXX  by TransUnion , and XX/XX/XXXXXXXX  by both Experian and Equifax . 

-Terms ( Months ) : Left blank by all three bureaus. 

-Credit Limit : Not reported by any bureau. 

-Past Due : Not reported by any bureau. 

-Last Reported Date : TransUnion reports XX/XX/XXXX, Experian reports XX/XX/XXXX, and Equifax reports XX/XX/XXXX. 

-Comments : TransUnion states Placed for Collection, Equifax says Subject Has Not Satisfied Debt, and Experian provides no comment. 

-Date Last Active : TransUnion reports XX/XX/XXXX, Experian reports XX/XX/XXXX, and Equifax reports XX/XX/XXXX. 

-Two-Year Payment History : Not reported on any bureau. 
This level of inconsistency, lack of completeness, and missing data demonstrates the account is neither accurate nor verifiable under FCRA standards. A single tradeline can not legally reflect multiple, conflicting versions of the truth. 

2. Violations of the Fair Credit Reporting Act ( FCRA ) FCRA 602 ( A ) : Credit reporting must be fair and accurate to protect the consumer.

FCRA 607 ( b ) : All data furnished must meet the maximum possible accuracy requirement.

FCRA 611 ( 15 U.S.C. 1681i ) : Grants me the right to request a reinvestigation into disputed accounts.

FCRA 611 ( a ) ( 7 ) : Allows me to demand a full Method of Verification ( MOV ) if you verify the account. 

3. Formal Request for Action Because this account is incomplete, inconsistent, and unverifiable as currently reported, I request the following : Immediate permanent deletion of this account from my credit reports within 30 days, per the FCRA ; If verification is attempted, you must provide the full Method of Verification, including : The name and address of the party that verified the information ; The method used during the verification process ; A copy of the original documentation relied upon, in accordance with Cushman v. TransUnion, 115 F.3d 220 ( XXXX XXXX. XXXX ). 

4. Supporting Documentation Enclosed To assist your investigation, I have uploaded the following : A copy of my government-issued identification A current bank statement to verify my address Please submit your results and findings through the Consumer Financial Protection Bureau portal ( www.cfpb.gov ), where this dispute has been officially filed and will be monitored for compliance. 

5. Final Notice Failure to correct or delete this account in accordance with federal law may result in formal complaints to the CFPB, FTC, and North Carolina Attorney General, as well as legal action to protect my rights under the FCRA and other applicable laws.

Thank you for your immediate attention to this matter. I expect your timely and lawful resolution. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation