Consumer complaint received 2025-08-12 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, TX XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX. 
Equifax XXXX XXXX XXXX TransUnion LLC Re : Formal Dispute XXXX Funding Account Discrepancies Account Number : XXXX To Whom It XXXX Concern, I am formally disputing the accuracy and completeness of the above-referenced account reported by XXXX XXXX  XXXX all three credit reporting agencies. The reported data contains multiple discrepancies and conflicting information that violate the Fair Credit Reporting Act ( FCRA ). This dispute concerns the accuracy of the account information, not the existence of the account. 

Reporting Inconsistencies : XXXX Activity Date : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX XXXX. Original Creditor : TransUnion : Just XXXX XXXX  XXXX Equifax : Blank Experian : XXXX XXXX. Term Source Type : TransUnion & Equifax : Blank Experian : Provided XXXX Status : TransUnion & Equifax XXXX XXXX Experian : Charge-Off XXXX. Most Recent Adverse Rating : TransUnion & Experian : XXXX Equifax : No data XXXX XXXX History : TransUnion : No history available Equifax : 100 % on-time payments Experian : 0 % on-time payments These contradictions violate FCRA XXXX ( b ), which requires consumer reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of reported information. 

Legal Basis for Dispute and Removal : FCRA XXXX ( a ) ( XXXX ) ( A ) : Requires reinvestigation within XXXX  days of dispute receipt and deletion or correction of unverifiable or inaccurate information. 
FCRA XXXX ( b ) : Mandates maximum possible accuracy ; the conflicting information here demonstrates failure to meet this standard. 
XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs must conduct reasonable investigations beyond superficial verification. 
XXXX v. Equifax ( XXXX ) : Reporting conflicting tradeline information across bureaus supports removal due to inaccuracy. 

Request for XXXX XXXX XXXX XXXX XXXX XXXX : If your bureau verifies this account as accurate, I formally request the XXXX XXXX XXXX under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) be provided to me within XXXX  days after verification, including : Name and contact information of the individual/entity who verified the data The verification method used Copies or detailed description of documents reviewed during reinvestigation CFPB Dispute Equivalence Notice : Please be reminded that disputes submitted via XXXX are governed by the same legal standards as direct disputes under the FCRA. 

According to XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) and XXXX ( b ), credit bureaus must conduct timely reinvestigations and furnish responses within the XXXX time frame regardless of dispute submission method. 

Demand : Due to the multiple discrepancies and failures to verify consistent, accurate data, I demand the immediate removal of this account from my credit report if you can not produce verified, consistent documentation supporting the accuracy of all reported information. Failure to comply will result in further complaints and legal action as permitted under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief