Consumer complaint received 2025-08-22 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC, XXXX XXXX XXXX XXXXXXXX, PA XXXX Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXX, XXXX, GA XXXX Experian, XXXX. XXXX XXXX, XXXX, TX XXXX Re : Formal Dispute of XXXX XXXX XXXX XXXX Account Reporting Request for Deletion and Method of Verification To Whom It May Concern, I am disputing the reporting of XXXX XXXX XXXX XXXX ( Account # XXXX ) on my credit file. This account contains numerous material inaccuracies and inconsistencies across all three credit bureaus, which directly violate the Fair Credit Reporting Act ( FCRA ) and render the account unverifiable. 
Below are the specific discrepancies being reported : XXXX. Account Status TransUnion : Account states Closed Equifax : Account states Open Experian : Account states Charge Off XXXX. Date of Last Activity TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX XXXX. Responsibility TransUnion & Experian : Joint Contractual Liability Equifax : Undesignated XXXX. Remarks TransUnion : XXXX XXXX Bankruptcy Equifax : Bankruptcy XXXX  XXXX Experian : Unpaid balance reported as a loss by XXXX XXXX XXXX. XXXX XXXX XXXX TransUnion : XXXX Equifax : XX/XX/XXXX ( factually impossible ) Experian XXXX XXXX XXXX. XXXX XXXX TransUnion XXXX Equifax : XXXX Experian : XXXX XXXX. XXXX XXXX TransUnion XXXX Equifax : XXXX Experian : XXXX XXXX. XXXX XXXX XXXX TransUnion XXXX Equifax : Blank Experian : Provided XXXX. XXXX XXXX TransUnion & Experian : {$23000.00} Equifax : {$0.00} XXXX. XXXX XXXX All Three Bureaus : {$0.00} ( logically impossible for an auto loan account ) 11. Current Payment Status TransUnion XXXX Equifax : Blank Experian : Collection/Charge Off 12. Amount Past Due All Three Bureaus : {$0.00} ( conflicts with alleged charge-off status and balance reporting ) 13. Payment History TransUnion & Equifax : No history available Experian : Youve made 30 % of payments for this account on time Violations of the FCRA The above discrepancies show that this account is being reported with factually inconsistent, incomplete, and contradictory information in direct violation of : 15 U.S.C. 1681e ( b ) : Credit bureaus must assure maximum possible accuracy of information. 
15 U.S.C. 1681i : Requires deletion or correction of information that can not be verified.

15 U.S.C. 1681s-2 ( b ) : Data furnishers must conduct a reasonable investigation and correct or delete inaccurate information.

15 U.S.C. 1681s-2 ( a ) ( 8 ) : Direct disputes submitted through the CFPB or directly to CRAs must be treated with the same weight under federal law. 

Case Law Support XXXX XXXX Trans Union Corp., XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit bureaus can not rely solely on furnishers and must conduct an independent investigation. 
XXXXXXXX XXXX XXXX  XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Reporting contradictory information is inaccurate under the FCRA. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Failure to maintain accurate records and properly verify is an FCRA violation. 

Method of Verification Request ( 15 U.S.C. 1681i ) If you claim this information is accurate, I demand the following as required under the FCRA : The name, address, and direct contact information of the individual or entity who verified the account. 
The specific documents you relied on in your verification process. 
Proof that the information was obtained directly from XXXX XXXX XXXX XXXX and/or the original records, not from a third-party database. 

Failure to provide this information within 15 days of verification will constitute noncompliance with the FCRA. 

Resolution Requested Immediate deletion of the XXXX XXXX XXXX XXXX account from my credit file, due to unverifiable, contradictory, and inaccurate reporting. 
Written confirmation of deletion, or detailed XXXX. if you refuse to delete. 

You have 30 days from receipt of this letter to complete your investigation, as mandated by law. 

Preservation of Rights I am preserving all rights to pursue remedies under 15 U.S.C. 1681n & 1681o, including actual damages, statutory damages of up to {$1000.00} per violation, and attorneys fees, should you fail to comply with federal law. 
This letter serves as formal notice and demand. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation