Consumer complaint received 2025-05-30 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX XXXX XXXX XXXX : XX/XX/XXXX Social ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Inaccurate High Utilization and Reporting Inconsistencies on XXXX Account Account Name : XXXX Account Number ( partial ) : XXXX / XXXX Consumer : XXXX XXXX Dear Credit Bureau Representative, This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding multiple inaccuracies and inconsistencies in the reporting of my XXXX account. I am not disputing the account itself, but I am formally challenging the inaccurate high utilization being reported as well as conflicting data across the credit bureaus. 

I have never carried a high utilization on this account, and I request that you investigate and correct or remove any unverifiable or inaccurate data. The inconsistent data reporting across all three bureaus is also in violation of federal standards for data accuracy and consistency. 

Inaccuracies and Inconsistencies Identified : 1, Account Number : TransUnion reports : XXXX Experian and Equifax report : XXXX The partial mismatch in account numbers raises concerns about data accuracy and proper identification. 

2. Balance / Credit Limit : TransUnion and Experian : Balance {$940.00} / Credit Limit {$1200.00} Equifax : Balance {$940.00} / Credit Limit {$0.00} Equifax reporting a {$0.00} limit leads to an artificially inflated utilization ratio of 100 %, which is both inaccurate and misleading. 

3. Last Activity Date : TransUnion and Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The inconsistency in activity dates needs to be corrected to reflect a unified report. 

4. Months Reviewed : TransUnion and Equifax : 26 months Experian : 27 months These variations imply a lack of consistent reporting intervals. 

5. High Balance : TransUnion and Experian : {$1100.00} Equifax : {$1200.00} Slight inconsistencies may appear minor, but they contribute to unclear utilization history. 

XXXX. High Credit ( Limit ) : TransUnion and Experian : {$1200.00} Equifax : {$0.00} Equifaxs reporting of a {$0.00} limit is materially damaging and creates the false impression of excessive utilization. 

Legal Grounds for Dispute Under the Fair Credit Reporting Act, the following sections apply : 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : Credit reporting agencies must ensure maximum possible accuracy in consumer credit reports.

611 [ 15 U.S.C. 1681i ] : I have the right to dispute any incomplete or inaccurate item, and you must reinvestigate and correct or delete unverifiable data within 30 days.

623 ( a ) ( 1 ) ( A ) : A data furnisher ( XXXX ) must not report any information they know or reasonably should know is inaccurate. 
623 ( b ) ( 1 ) : After receiving a dispute, the furnisher is obligated to investigate and correct or delete any false or unverifiable information. 

Supporting Case XXXX XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit bureaus must perform an independent, reasonable reinvestigation and not rely solely on the creditors word. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Failing to correct errors following notice of dispute opens both the bureau and furnisher to liability. 

Formal Demand for Action Based on the evidence and inconsistencies outlined, I am demanding the following : Immediate reinvestigation of the XXXX account on my credit file. 
Correction or removal of inaccurate high utilization data, especially Equifax 's 0-limit entry. 
Standardization of all inconsistent data fields, including account number, high credit, and months reviewed. 

If verified, provide the Method of Verification ( M.O.V. ) in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), detailing what documents were used to confirm the data.

Written confirmation of the investigation results and all actions taken within 30 calendar days. 

Failure to comply will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation