Consumer complaint received 2025-06-26 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 XXXX XXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX RE : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Account Name : XXXX  XXXX Partial Account Number : XXXX To Whom It May Concern, I am formally disputing the XXXX XXXXXXXX account appearing on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. CXXXXe XXXX et seq, I request a complete investigation and immediate deletion of this account due to material and legally significant inconsistencies in the data being reported by all three credit bureaus ( TransUnion, Equifax, Experian ). 

Below are the major discrepancies identified : Documented Inconsistencies : XXXX Credit Limit TransUnion XXXX {$300.00} Experian : {$300.00} Equifax : {$0.00} XXXX. Date of Last Activity TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX ( clearly a formatting or data error ) XXXX. Account Type TransUnion : Credit Card Experian : Credit Card Equifax : XXXX XXXX. Remarks TransUnion : XXXX Equifax : Charged Off Account Experian : Unpaid balance reported as a loss by credit grantor ; account closed at credit grantors request XXXX. XXXXDay Late Payments TransUnion : XXXX Equifax : XX/XX/XXXX ( factually impossible ) Experian XXXX XXXX XXXX. Most Reviewed TransUnion : XXXX Equifax : XXXX Experian : XXXX XXXX. XXXX XXXX XXXX All XXXX Bureaus : XXXX  XXXX. High Balance TransUnion : {$500.00} Equifax : {$500.00} Experian : {$0.00} XXXX. High Credit TransUnion : {$300.00} Experian : {$300.00} Equifax : {$0.00} XXXX. Payment History TransUnion : No history available Equifax : 100 % of payments made on time Experian : 0 % of payments made on time Legal Grounds : Under 15 U.S.C. XXXX ( b ), each credit reporting agency must ensure the maximum possible accuracy of the information it reports. The presence of conflicting, inaccurate, and contradictory data violates this requirement. 

Under 15 U.S.C. XXXX ( a ), upon receiving a dispute, the credit bureau must conduct a reasonable reinvestigation. Reporting such data as XXXX late payments, a last activity date from the year XXXX, and completely inconsistent credit limits and payment history shows that this account is unverifiable and inaccurate. 

In XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX XXXX ), the court ruled that a credit reporting agency must do more than rely on the furnisher of information ; it must conduct a meaningful and independent investigation when faced with substantial disputes. 

Action Requested : Delete this XXXX XXXXXXXX account from my credit reports with TransUnion, Equifax, and Experian due to the factually impossible and conflicting reporting. 
If this account is verified as accurate, I demand a Method of Verification ( XXXX ) per 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), including : The name and contact information of the furnisher who verified the data A description of the process and documentation used in that verification If you can not produce consistent and verified information, then this account must be permanently removed under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ). 

Supporting Documents Attached : A copy of my state-issued identification A copy of my XXXX as proof of address and employment A screenshot highlighting the inconsistencies reported by each credit bureau Final Notice : This matter must be resolved within XXXX calendar days of receipt, as required by federal law. If it is not resolved lawfully and in a timely fashion, I will escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and consider civil remedies for willful or negligent noncompliance under 15 U.S.C. XXXX and XXXX. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief