Consumer complaint received 2025-08-15 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 DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Experian XXXX. XXXX XXXX, XXXX, XXXX XXXX Subject : Formal Dispute of Inconsistent Credit Reporting XXXX XXXX  ( Acct # XXXX ) To Whom It May Concern, This is a formal dispute submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( a ) ( 8 ), and transmitted via XXXX. Under 623 ( a ) ( 8 ), disputes submitted through the CFPB are to be treated with the same legal force and investigatory obligations as direct disputes received by a credit reporting agency. 

Basis for Dispute The XXXX XXXX account ( Acct # XXXX ) contains materially conflicting information across the three major credit reporting agencies. Under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. The existence of the following inconsistencies proves that the account, in its current form, fails that standard and is unverifiable unless corrected with original source documentation. 

Identified Inconsistencies Date of Last Activity TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX ( Conflicting dates materially affect account aging and are inherently unreliable see Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) ). 

Original Creditor TransUnion : XXXX XXXX XXXX XXXX Equifax : Blank Experian : Blank ( FTC Staff Commentary confirms missing or conflicting creditor identification requires correction or deletion. ) Term / Source / Type TransUnion : Blank Equifax : Blank Experian : Provided ( Omissions violate the completeness requirement under 607 ( b ) ).

Status TransUnion : Charge-off Equifax : Open Experian : Charge-off ( Koropoulos v. Credit Bureau , Inc. , 734 F.2d 37 ( D.C. Cir. 1984 ) inconsistent status designations are misleading and inaccurate. ) Most Recent Adverse Rating TransUnion : Collection/Charge-off Equifax : No data available Experian : Collection/Charge-off Payment History TransUnion : No history available Equifax : 100 % on-time payments Experian : 0 % on-time payments ( These contradictions can not coexist if accurate see Cortez v. TransUnion, LLC, 617 F.3d 688 ( 3d Cir . 2010 ) ).

Required Actions Full Reinvestigation under 1681i ( a ) ( 1 ) ( A ) with the furnisher ( XXXX XXXX ) using original source documentation. 
Deletion of the account from all consumer reports if original source documentation can not be produced to reconcile these discrepancies. 
Method of Verification ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ) must be provided within 15 days if the account is verified as accurate. This must include : Name, address, and phone number of the furnisher who verified the information ; Specific documents used ; How those documents were obtained and authenticated.

Equal Treatment of Disputes This CFPB.gov-filed dispute must be treated exactly the same as a direct dispute per 623 ( a ) ( 8 ).

Deadlines 30 Days : Complete reinvestigation and issue results per 1681i ( a ) ( 1 ) ( A ).

15 Days ( MOV ) : Provide full Method of Verification within 15 days if verification occurs.

Any update, cure, or modification to this account after the statutory reinvestigation deadline will be considered post-deadline manipulation and a willful violation under 1681n. 

Preservation of Rights Failure to comply will result in formal complaints to the CFPB, FTC, and State Attorney General, and legal action in federal court seeking all remedies available under 1681n and 1681o, including actual, statutory, and punitive damages. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief