Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX SSN ( Last 4 Digits ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion, Equifax, Experian XXXX XXXX Dispute Portals or Certified Mail Re : Dispute of Inaccurate Late Payments and Inconsistent Reporting XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX Dear [ Experian / Equifax / TransUnion ], I am writing to formally dispute the accuracy and integrity of the data being reported under the account listed as XXXX XXXX XXXX XXXX ( Account # XXXX ). This account reflects late payments I did not make, and it also contains several reporting discrepancies across the credit bureaus that are in direct violation of the Fair Credit Reporting Act ( FCRA ). 

This is not a dispute of the accounts existence, but of the reported late payments and inconsistent information that calls into question its accuracy and verifiability. 

Discrepancy List : Last Activity Date TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX ( Equifaxs date is significantly outdated compared to TU and EX ) Remarks TransUnion : " Closed '' Equifax : " Closed or Paid Account/Zero Balance '' Experian : " Account Delinquent 60 Days Past Due Date '' ( Three distinct and conflicting remarks ) Months Reviewed TransUnion : 28 Experian : 28 Equifax : 29 ( Small but notable inconsistency ) Late Payments Percentage of On-Time Payments TransUnion : 86 % Experian : 84 % Equifax : 83 % ( A single account should not have three different performance summaries ) Disputed Late Payments I affirm that I have never been late on this account. The reported delinquencies are false and should be removed immediately if they can not be substantiated through proper investigation.

Legal Violations FCRA & Case Law : FCRA 607 ( b ) : Credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy. Reporting multiple conflicting entries violates this statute.

FCRA 611 ( a ) : Once a dispute is submitted, credit bureaus must conduct a thorough reinvestigation and delete or correct any inaccurate or unverifiable information.

FCRA 609 ( a ) ( 1 ) : I have the right to all information in my file and how it was verified. 

XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs must go beyond a superficial confirmation and verify with diligence, or face liability. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs can be held accountable under FCRA for failing to properly investigate and remove inaccurate late payment data. 

XXXX v. Equifax ( XXXX ) : Conflicting tradeline reporting across bureaus constitutes failure to meet accuracy standards and supports consumer entitlement to removal. 

Formal Request : I hereby request the following : Immediate removal of all late payments reported under this account Correction of all inconsistencies across the three bureaus If the account and its payment history can not be verified with clear documentation, the entire account should be removed from my credit profile Additionally, in accordance with FCRA 611 ( a ), I formally request the Method of Verification ( M.O.V. ) if your bureau verifies this account as accurate. Please include : The name and contact information of the party who verified the data The specific method used A full description of the documents and evidence relied upon in the reinvestigation If your bureau can not verify and support this data with exact and consistent documentation, you are required to delete the disputed account or the incorrect information from my consumer file. 

Enclosed with this dispute : A copy of my state-issued identification A recent utility bill as proof of address A highlighted printout of the above inconsistencies for clarity Please resolve this dispute within 30 days as mandated by the FCRA. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief