Consumer complaint received 2025-11-29 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: VA

Complaint narrative:
I am filing a complaint because multiple furnishers and credit reporting agencies are reporting inaccurate, inconsistent, outdated, and unverifiable derogatory information on my credit file, despite my disputes. Some accounts contain contradictory reporting between bureaus, while others contain no supporting detail at all, making verification impossible. 

I have requested investigations under the Fair Credit Reporting Act ( FCRA ), but I have not received proper verification or correction. I am seeking CFPB intervention to compel accurate reporting or deletion. 

1. XXXX XXXX  ( XXXX XXXX XXXX XXXX Bureaus : Equifax, TransUnion, Experian Experian reports a charge-off with a string of 30/60/90-day late entries and a charge-off date that does not match the history reported by the other bureaus. 
TransUnion and Equifax report different timelines, different early delinquency dates, and missing late-payment sequences. 

This violates : FCRA 607 ( b ) maximum accuracy FCRA 623 ( a ) ( 1 ) ( A ) can not furnish information known to be inaccurate FCRA 611 ( a ) reinvestigation requirements This account appears unverifiable and inconsistent across all three bureaus.

2. XXXX XXXX Charge-Off Bureaus : Equifax, TransUnion, Experian Reported as a charge-off, but the bureaus show : Different worst delinquency labels Different sequences of 90-day late payments Inconsistent charge-off timelines Payment-after-charge-off data only on certain bureaus Violations : 607 ( b ) accuracy 623 ( a ) ( 3 ) failure to report my dispute 611 ( a ) ( 6 ) ( B ) ( iii ) ( no procedural description provided ) This account contains material factual conflicts between bureaus. This account was settled. 



XXXX. XXXX XXXX XXXX XXXX XXXX  Bureaus : Equifax & TransUnion Reports contain : Missing required monthly updates Inconsistent status reporting No proof of account ownership provided Violations : 623 ( a ) ( 1 ) ( A ) false/inaccurate information 611 reinvestigation failures 4. XXXX XXXX XXXX Bureaus : Equifax & TransUnion The furnished data includes : Contradictory account status descriptions Inconsistent high balances & payment activity Missing dispute notation Violations : 607 ( b ) 623 ( a ) ( 3 ) 5. XXXX XXXX XXXX. 

Bureau : Equifax Equifax lists this as a negative account with zero details, no balance, no history, and no verification possible.

This is a textbook unverifiable item.

Violations : 607 ( b ) incomplete data can not be accurate 611 must delete if unverifiable 623 ( a ) ( 1 ) ( A ) furnishing information without detail or support 6. XXXX XXXX XXXX XXXX XXXX Bureau : TransUnion This collection lacks : Proof of ownership Assignment of debt Complete payment history Proper consumer validation Violations : FCRA 611 FDCPA 807 ( 8 ) ( false representation of debt ) Regulation V furnisher accuracy standards This account was settled and was agreed to be removed

Company response to consumer: Closed with non-monetary relief