Consumer complaint received 2025-06-02 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX I am filing a formal credit reporting dispute against Experian, Equifax, and XXXX regarding XXXX accounts that are inaccurately, inconsistently, or deceptively reported across the XXXX  credit bureaus. These errors violate multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am not requesting correction or updates to the information. I am requesting permanent deletion due to the widespread inaccuracies, misclassification, conflicting information across bureaus, and failure to meet legal accuracy standards. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type : Student Loan / Installment Account Numbers : XXXX XXXX XXXX Equifax : XXXX Experian : XXXX Reported Information by XXXX : XXXX XXXX Closed, {$5500.00} balance, opened XX/XX/XXXX Equifax : Closed, {$3500.00} balance, opened XX/XX/XXXX Experian : Open, {$2300.00} balance, opened XX/XX/XXXX Issue : This single account is reported with XXXX different balances, XXXX different opening dates, and conflicting statuses. Experian lists it as open, while XXXX XXXX Equifax report it as closed. XXXX also reports a completely different open date. These differences show the account is being reported inaccurately, violating my right to a fair and consistent credit profile. 

Violations : FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy FCRA 1681i ( a ) : Failure to resolve conflicts in reported data Requested Action : Permanently delete this account from all three credit bureaus. 



XXXX. XXXX XXXX XXXX ( aka XXXX ) Type : Charged-Off Collection / Purchased Debt Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$860.00} Reported Information by Bureau : XXXX : Open account Equifax : Open account Experian : Collection account ( Debt Buyer ) Issue : XXXX XXXX Equifax inaccurately report this collection as a regular open account. Experian reports it as a collection, which is correct. These conflicting labels drastically affect credit scoring models and mislead lenders. The account is not open credit it is a XXXX collection. 

Violations : FCRA 1681e ( b ) : Misclassification of account type FDCPA 807 ( 2 ) ( A ) : Misrepresentation of legal status of a debt Requested Action : Permanently delete this account from Experian, EquifaxXXXX XXXX XXXX 


XXXX. XXXX XXXX XXXX Type : Collection Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$150.00} Reported Information by Bureau : XXXX  : Open account ( not marked as collection ) Equifax : Collection account Experian : Not reported Issue : This is a collection account, but XXXX  misreports it as an open trade line. Equifax correctly labels it as a collection. Experian omits the account entirely. The inconsistent reporting and misclassification are misleading, and the account is not being accurately or uniformly reported across the bureaus. 

Violations : FCRA 1681e ( b ) : Misclassification of derogatory account FCRA 1681c ( a ) : Omission of key account from Experian FDCPA 807 : False or deceptive reporting Requested Action : Delete this account permanently from XXXX XXXX  Equifax, and ensure it is not added to Experian. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Type : XXXX XXXX XXXX XXXX Account Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} Status : Closed ( All bureaus ) Reported Information by XXXX : XXXX XXXX Open Account marked as closed Equifax : Open Account marked as closed Experian : Cell Phone account, closed Issue : XXXX and Equifax both label this as an Open Account while simultaneously marking the status as Closed, which is internally contradictory and violates FCRA requirements. Experian properly classifies this as a closed cell phone account. 

Violations : FCRA 1681e ( b ) : Contradictory account type and status FCRA 1681i ( a ) : Failure to correct misleading classification Requested Action : Permanently delete this account from XXXX XXXX bureaus due to internal inconsistencies and misreporting. 


XXXX. XXXX XXXX XXXX Type : Debt Buyer / Collection Account Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} Reported By : Experian only Reported Information by Bureau : Experian : Collection account ( Debt Buyer ) XXXX : Not reporting Equifax : Not reporting Issue : This account is being reported only on Experian and is missing from XXXX XXXX  Equifax. No original creditor is listed. I have never received debt validation as required by law. The recent open date raises concern about possible re-aging of a much older debt. The account is unverifiable and incomplete. 

Violations : FDCPA 809 ( b ) : Failure to validate debt upon request FCRA 1681c : Potential re-aging of account FCRA 1681e ( b ) : Incomplete and inaccurate information Requested Action : Permanently delete this account from Experian.

Legal Basis for Deletion According to FCRA 1681i ( a ) ( 5 ) ( A ), if a disputed item is found to be inaccurate, unverifiable, or inconsistent, it must be deleted, not updated. All five accounts described above meet that threshold.

I request a full reinvestigation, and the permanent removal of these accounts from your credit files. If not resolved within the XXXX period prescribed by law, I will escalate my case to : Consumer Financial Protection Bureau XXXX CFPB ) Federal Trade Commission ( FTC ) XXXX  Attorney Generals Office

Company response to consumer: Closed with explanation