Consumer complaint received 2025-06-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of XXXX XXXX Collection Account Account # XXXX To Whom It May Concern, I am writing to formally dispute the accuracy and completeness of the XXXX XXXX  collection account ( # XXXX ) currently appearing on my credit report. This account contains material inconsistencies across TransUnion and Equifax, which constitute violations of the Fair Credit Reporting Act ( FCRA ). 

Below is a summary of the key discrepancies and omissions : Inconsistencies Identified Last Activity Date : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX The difference of nearly 1.5 years directly affects the age and scoring impact of the account. 

Account Status : TransUnion : Charge Off Equifax : Open An account can not simultaneously be both open and charged off. This is a contradiction in reporting. 

Most Recent Adverse Rating : TransUnion : Collection/Charge-Off Equifax : No Data Available A key data field is missing from one bureau, making the report incomplete and non-compliant.

Payment History : Both Bureaus : No history is available Lack of payment data makes it impossible to determine the accuracy of the default or delinquency timeline. This directly violates the " maximum possible accuracy '' standard under federal law.

Term Source Type : Both Bureaus : Blank Critical account structure data is not reported, further reducing confidence in the files accuracy.

Applicable Laws Supporting This Dispute FCRA 1681e ( b ) : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy of information. Contradictions across bureaus breach this requirement.

FCRA 623 ( a ) ( 1 ) ( A ) : Information furnishers may not report information they knowor have reasonable cause to believeis inaccurate.

FCRA 1681i ( a ) ( 1 ) ( A ) : Requires a reinvestigation of any disputed account and deletion if the information can not be verified.

FCRA 1681g ( a ) : Requires complete disclosure of account data, including original creditor, payment history, and terms.

Supporting Case Law Richardson v. Equifax Conflicting account data across bureaus constitutes inaccuracy under the FCRA.

Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : Failure to conduct a meaningful reinvestigation constitutes a willful violation.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Inconsistent or misleading dataeven if technically truemay still be considered inaccurate.

Requested Action REMOVE this account entirely from my credit report due to its materially inconsistent and unverifiable nature.

If this account is verified as accurate, I am requesting a full Method of Verification ( MOV ) under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), including : Name of the verifying party Documentation used Date of verification Provide the reinvestigation results in writing within 30 days, as required by law.

Failure to correct this inaccurate reporting may result in further action including, but not limited to, filing complaints with the CFPB, FTC, and seeking civil remedies for negligent or willful noncompliance under FCRA 1681n and 1681o.

Attached : Copy of Passport & Utility Bill ( Proof of Identity & Residency ) Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation