Consumer complaint received 2025-11-11 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:
I am filing this complaint because XXXXXXXX XXXX  continues to report an inaccurate, unverifiable charge-off account that remains on Equifax and TransUnion only . Experian has already deleted this same account based on my FCRA, Metro 2, and factual dispute filings, which proves the account can not be verified or accurately reported. 
I have been disputing this account for over six months, and neither Equifax, TransUnion, nor XXXX have produced one single piece of written validationno contract, no account agreement, no billing statements, no proof of ownership or assignment, no payment history, and no explanation of balance calculation.

Instead of providing validation, both bureaus have simply mailed me a copy of my own credit reportwhich I already have, since thats what Im disputing. This is not verification. This is a direct violation of their legal obligations under : FCRA 611 ( a ) ( 15 U.S.C. 1681i ) Failure to conduct a proper reinvestigation within 30 days.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Failure to ensure the maximum possible accuracy of data.

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Furnishing information known to be inaccurate.

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) Continuing collection or reporting without written validation.

The data reported between Equifax and TransUnion does not match, which violates Metro 2 data-furnishing standards and proves factual inaccuracy : Date of Last Payment : Equifax XX/XX/XXXX XXXX TransUnion XX/XX/XXXX Date Opened : Equifax XX/XX/XXXX XXXX TransUnion XX/XX/XXXX High Credit : Equifax {$750.00} | TransUnion {$1100.00} Credit Limit XXXX Equifax {$0.00} | TransUnion {$750.00} Account Number : Equifax XXXXXXXX XXXX XXXX XXXX XXXX  | TransUnion XXXXXXXX XXXX XXXX XXXX XXXX  Balance : Both now report {$0.00}, yet still mark the account as Charged off. 
These inconsistencies show that the bureaus are reporting different versions of the same account, which can not both be accurate. This is a factual dispute under the FCRA and Metro 2. If a tradeline can not be uniformly validated across bureaus with matching data fields, it must be deleted.

Additionally, both Equifax and TransUnion have a history of data breaches and federal lawsuits for mishandling consumer information and failing to maintain proper accuracy procedures : Equifax : XXXX breach exposed XXXX XXXX consumers and resulted in a {$700.00} XXXX federal settlement. 
TransUnion : XXXX data breach affected over 4 million consumers, triggering multiple class-action investigations.

Given this ongoing lack of internal control, it is unacceptable that these same companies continue to mishandle consumer data and ignore direct disputes supported by clear evidence.

This is willful non-compliance under FCRA 616 and 617. Both Equifax and TransUnion are knowingly publishing false, inconsistent, and unverifiable data while refusing to provide any documentation. Based on the facts above, it is clear this account is not mine or can not be verified as mine.

Company response to consumer: Closed with explanation