Consumer complaint received 2025-09-19 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  SSN ( Last 4 ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Transunion/Equifax/Experian Re : Formal Dispute of Inaccurate, Incomplete, and Inconsistent Account Reporting Account Name : Dept of Ed/Advantage Account Number ( s ) : - TransUnion : XXXX - Equifax : XXXX - Experian : XXXX Dear Transunion, Equifax & Experian, I am writing to formally dispute the accuracy, completeness, and consistency of the above-referenced account appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I have the right to dispute any information in my credit file that I believe is inaccurate or incomplete. I am requesting a full investigation and that the account be corrected to accurately reflect a positive payment history and updated to show all payments as on time ( pays as agreed ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SPECIFIC DISPUTED INCONSISTENCIES & INACCURACIES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The following material discrepancies are present across the XXXX nationwide consumer reporting agencies : Last Activity Date : - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX These dates materially conflict and create uncertainty regarding the accounts current standing, aging, and credit scoring implications. 

Remarks : - TransUnion : XXXX XXXX Equifax : " Account previously in dispute - now resolved by data furnisher '' - Experian : " Account delinquent XXXX  days past late '' This shows conflicting information and also indicates that * * TransUnion and Experian are in violation of FCRA 623 ( a ) ( 3 ) * * by failing to note that the account is currently disputed by the consumer. When a consumer disputes an account, furnishers and CRAs are legally required to flag the account as disputed. 

Late Payments ( XX/XX/XXXX Day ) : - TransUnion : XXXX / XXXX / XXXX - Equifax : XXXX / XXXX / XXXX - Experian : XXXX / XXXX / XXXX This is factually impossible an account can not have XXXX, XXXX, or XXXX ninety-day late payments while simultaneously showing XXXX thirty-day and XXXX sixty-day late payments. This indicates clear reporting errors and violates FCRA 1681e ( b ) s duty to assure maximum possible accuracy. 

Months Reviewed : - TransUnion : XXXX - Equifax : XXXX - Experian : XXXX These contradictory figures create uncertainty as to the age and duration of the account, and can not all be correct. 

Term Count : - TransUnion : XXXX - Experian : XXXX - Equifax : XXXX Such conflicting data renders the account incomplete and unverifiable under FCRA 1681i ( a ) ( 1 ) ( A ). 

Payment History / Percent On-Time : - TransUnion : 85 % - Equifax : 71 % - Experian : 68 % These percentages conflict and are inconsistent with the claimed number of XXXX lates. Further, no clear breakdown of payment dates is provided. These contradictions make the reporting materially misleading under FCRA 1681e ( b ). 

Because of these inconsistencies, this account is being reported in a manner that is inaccurate, incomplete, and misleading. This account must be updated to accurately reflect the correct payment history and be shown as * * pays as agreed. * * -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- APPLICABLE FEDERAL LAWS & REGULATIONS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- * * FCRA 1681i ( a ) * * Requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days.

* * FCRA 1681e ( b ) * * Requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of the information they report.

* * FCRA 623 ( a ) ( 1 ) ( A ) * * Prohibits furnishers from reporting information known or reasonably believed to be inaccurate.

* * FCRA 623 ( a ) ( 3 ) * * Requires that if a consumer disputes information, the furnisher must report the fact that the information is disputed.

* * FCRA 623 ( a ) ( 8 ) * * Requires that disputes submitted through the CFPB or other agencies be treated as direct disputes.

* * 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) * * Requires deletion or correction of information that can not be verified as accurate. 

* * FTC XXXX XXXX to XXXX ( XX/XX/XXXX ) * * Clarifies that " if the CRA can not verify the accuracy, it must delete or correct the information. '' * * CFPB XXXX XXXX * * Requires furnishers to review all relevant information when responding to disputes. 

* * Case Law : * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CRAs must go beyond parroting the furnisher and must perform an independent investigation. 

* * Case Law : * * XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting information that creates a materially misleading impression violates FCRA. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE REGARDING CFPB-GOVERNED DISPUTES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Pursuant to * * 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) ( iii ) * *, any dispute submitted via the Consumer Financial Protection Bureau ( CFPB.gov ) constitutes a direct dispute and must be handled in full compliance with FCRA 623 ( a ) ( 8 ). This includes the duty to conduct a reasonable investigation and correct or update inaccurate information. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- REQUEST FOR METHOD OF VERIFICATION ( MOV ) FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- If and only if you verify this account as accurate following your reinvestigation, I hereby request, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), that you provide me with a * * detailed Method of Verification ( MOV ) * * within * * 15 days after your verification * *. This must include : 1. The name of the person who verified the information ; 2. The name, address, and telephone number of each furnisher contacted ; 3. A description of the documentation reviewed ; and 4. A description of the procedure used to determine the accuracy of the data. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DEADLINES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dispute Investigation must be completed within * * 30 days * * of receipt of this letter, as required under FCRA 1681i ( a ) ( 1 ) ( A ).

MOV must be provided within * * 15 days after and only if * * the account is verified as accurate. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PRESERVATION OF RIGHTS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please be advised that if you fail to correct or update the disputed information, or if you continue to report unverifiable or inaccurate information, you will be in violation of the FCRA and other applicable federal laws. 

I reserve the right to pursue all available legal remedies, including but not limited to, filing complaints with the CFPB and FTC, initiating arbitration under the FCRA, or filing civil litigation for statutory damages, actual damages, attorneys fees, and costs. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- REQUESTED ACTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Because this account is being reported with multiple material inconsistencies, inaccuracies, and incomplete data, and because it can not be simultaneously accurate as currently reported, I request that you * * correct this account to reflect that all payments have been made on time and update the status to pays as agreed. * * Please confirm your receipt of this dispute and send your written response to my address listed above. 

Sincerely, _________________________________________ * * XXXX XXXX XXXX * *

Company response to consumer: Closed with explanation