Consumer complaint received 2025-09-22 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: MN

Complaint narrative:
Formal Dispute of Inaccurate, Incomplete, and Inconsistent Reporting Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX Account in Dispute : XXXX  XXXX Account Number : XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I. Nature of Dispute and Summary of Inconsistencies -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - I am formally disputing the above-referenced account due to material inaccuracies, inconsistencies, and incomplete data across TransUnion, Experian, and Equifax. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. 

XXXX. * * Date of Last Activity ( DOLA ) * * - TransUnion & Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX These materially conflicting dates can not all be correct, violating the duty of maximum possible accuracy under 1681e ( b ). 

XXXX. * * Account Type * * - TransUnion & Experian : Credit Card XXXX Equifax : Not reported / unclear Failure to report type consistently is incomplete and inaccurate reporting. 

XXXX. * * Remarks * * - TransUnion : Blank - Equifax : Charged off account - Experian : Unpaid balance reported as a loss by credit grantor, account previously in dispute - now resolved - reported by subscriber Conflicting remarks create factual impossibility and mislead creditors. 

XXXX. * * Delinquency History ( 30/60/90 Days Late ) * * - TransUnion : XXXX - Equifax : XX/XX/XXXX ( mathematically impossible ) - Experian : XXXX ( mathematically impossible ) These are not only inaccurate but impossible. I have * * never been late paying this account * *. This reporting must be corrected to Pays as Agreed. 

XXXX. * * Months Reviewed * * - TransUnion : XXXX - Equifax : XXXX - Experian : XXXX Discrepancy creates confusion and violates completeness requirements. 

XXXX. * * Term / Source / Type * * - All three CRAs : Blank Missing essential account data, violating FCRAs accuracy and completeness provisions. 

XXXX. * * High Balance * * - TransUnion : {$350.00} - Equifax : {$160.00} - Experian : {$0.00} These can not all be correct. 

XXXX. * * High Credit * * - TransUnion : {$290.00} - Experian : {$290.00} - Equifax : {$0.00} Conflicting and materially inconsistent reporting. 

XXXX. * * Payment History * * - TransUnion : No history available - Equifax : 100 % of payments on time - Experian : 12 % of payments on time These conflicts are factually impossible. If Equifax reports 100 % on time, Experian can not simultaneously report 12 %. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - II. Applicable Statutory Violations -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - - * * FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : * * Requires maximum possible accuracy.

- * * FCRA 611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : * * Requires reinvestigation of disputed items within 30 days.

- * * FCRA 611 ( a ) ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : * * Requires deletion if information can not be verified.

- * * FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : * * Prohibits knowingly reporting inaccurate data.

- * * FCRA 623 ( a ) ( 8 ), 15 U.S.C. 1681s-2 ( a ) ( 8 ) : * * Disputes submitted via CFPB.gov are to be treated as direct disputes.

- * * FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : * * Requires providing Method of Verification ( MOV ).

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - III. Case Law Support -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - - * * XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : * * CRAs must do more than parrot furnishers. 
- * * XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : * * Reinforces duty of reasonable investigation. 
- * * XXXX v. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : * * Inadequate or late responses violate FCRA. 
- * * XXXX  v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : * * Requires deletion of unverifiable accounts. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - IV. Method of Verification Request -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - If this account is verified as accurate, I demand full * * Method of Verification * * under * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *. Specifically : - Name and contact information of the furnisher. 
- Copies of all documentation used to verify ( signed agreements, billing records, statements, electronic logs, etc. ). 
- Explanation of how conflicting data was reconciled. 

This MOV must be provided within * * 15 days * * after verification, not XXXX. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - V. Deadlines and Legal Rights -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - - Reinvestigation and written response within * * 30 days * * of receipt of this dispute. 
- MOV within * * 15 days * * if verified as accurate. 
- Reporting of mathematically impossible delinquencies and re-aging ( Equifax & TransUnion ) are unlawful and must be corrected or deleted. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - VI. Preservation of Rights -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - If violations continue, I reserve the right to pursue legal remedies under * * 15 U.S.C. 1681n and 1681o * *, including statutory and punitive damages, and attorneys fees.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - VII. Requested Resolution -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - - Immediate correction or deletion of all inaccurate, inconsistent, and unverifiable data.

- Adjustment of delinquency reporting to reflect * * Pays as Agreed * *. 
- Written confirmation of all actions taken. 
- Updated credit reports reflecting corrections. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief