Consumer complaint received 2025-08-14 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 XXXX XXXX  SSN ( last 4 ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Compliance Department Transunion/Equifax/Experian RE : Formal FCRA Dispute Inaccurate and Incomplete Reporting Account Name : XXXX XXXX XXXX Account Number : XXXX 1. Nature of the Dispute I am formally disputing the accuracy and completeness of the above-referenced account as it appears on my consumer file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 602A, 611 ( a ), 623 ( a ) ( 8 ), and applicable CFPB/FTC guidance .

I note material inconsistencies between the data furnished to you and that reported by other credit bureaus : Date of Last Activity TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX Conflicting dates violate FCRA 607 ( b ) s requirement for maximum possible accuracy.

Account Type TransUnion : Blank Equifax : Blank Experian : Charge Account Failure to report uniform and accurate account type creates misleading and materially incomplete data.

Times 30/60/90 Days Late TransUnion : XXXX Equifax : XXXX Experian : XXXX ( factually impossible given other payment history reporting ). 

Months Reviewed TransUnion : XXXX Equifax : XXXX Experian : XXXX High Balance TransUnion : {$400.00} Equifax : {$400.00} Experian : {$0.00} High Credit TransUnion : {$100.00} Experian : {$100.00} Equifax : {$0.00} Payment History TransUnion : No history available Equifax : 100 % of payments made on time Experian : 68 % of payments made on time 2. Legal Basis for Dispute Under FCRA 607 ( b ), you are required to maintain procedures to assure the maximum possible accuracy of consumer information. The discrepancies listed above are clear violations of that standard.

Under FCRA 611 ( a ) ( 1 ) ( A ), you must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or
delete it, within 30 days.

Under FCRA 623 ( a ) ( 8 ), a dispute submitted through CFPB.gov must be treated identically to a dispute submitted directly to a furnisher or to the credit bureau.

3. Method of Verification ( MOV ) Request If you verify this account as accurate after reinvestigation, I demand, pursuant to FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), that you provide me with the following in writing within 15 days of your verification : Name, mailing address, and telephone number of each furnisher of information you contacted.

Date ( s ) and method ( s ) of contact with each furnisher. 

Copies of all records, contracts, account statements, screen prints, or correspondence relied upon in your verification.

Identification of any databases or third-party verification systems you accessed, including retrieval dates.

A detailed explanation of how each disputed data point was confirmed as accurate.

A generic statement that the account was verified will not satisfy your obligations under the law.

4. Demand for Action & Deadlines You have 30 calendar days from receipt of this letter to complete your reinvestigation.

If verified, you have 15 calendar days from the date of verification to comply with my Method of Verification request.

5. Preservation of Rights Failure to comply with your duties under the FCRA, as clarified in Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ), will result in my pursuing all available legal remedies, including filing complaints with the CFPB, FTC, and State Attorney General, and initiating civil action for statutory damages, actual damages, and attorneys fees under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief