Consumer complaint received 2025-09-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX Email : XXXX Phone : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Inaccurate Delinquency Reporting XXXX XXXX XXXX ( Account No. XXXX ) Dear Credit Bureau Representative, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. concerning the XXXX XXXXXXXX XXXX  account listed above. This account is currently reporting late payments that are factually impossible and therefore inaccurate under federal law.

Documented Inaccuracies 1.Delinquency History ( 30/60/90 Days Late ) TransUnion & Equifax : XXXX ( mathematically impossible ) Experian : XXXX ( mathematically impossible ) It is impossible to be reported XXXX or 120 days late without first being properly reported XXXX and 60 days late in sequential order. This contradictory reporting demonstrates clear factual inaccuracy in violation of FCRA standards. 

I have never been late on this account and demand it be updated to reflect Pays As Agreed with 100 % on-time payment history.

CFPB.gov Disputes Carry the Same Legal Weight as Direct Disputes Under FCRA 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ], disputes submitted through the CFPB.gov complaint portal carry the same legal obligations as disputes submitted directly to a credit bureau or furnisher.

Therefore, you are required to handle this dispute with full statutory compliance under FCRA 607 ( b ), 611, and 623, including deletion of unverifiable or inconsistent data. 

Applicable Law, Guidance, and Case Law FCRA 607 ( b ) : CRAs must assure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) : Requires reinvestigation to be completed within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) : Unverifiable or inconsistent information must be deleted. 
FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : If verified, CRAs must provide the Method of Verification ( M.O.V. ), including : Furnishers name Furnishers address Furnishers telephone number Exact records relied upon FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

CFPB Bulletin 2013-09 : CRAs must conduct independent and reasonable investigations, not rely solely on furnishers.

FTC Staff Opinion Letter ( Cass,
1999 ) : Unverifiable or inconsistent data must be deleted.

Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. XXXX ) : CRAs must perform independent investigations. 
Richardson v. Equifax, XXXX XXXX XXXX : Failure to meet statutory timelines requires deletion. 

Demand for Action Correct reporting of XXXX XXXXXXXX XXXX to show Pays As Agreed and 100 % on-time payment history.

If you verify this account as accurate, provide the Method of Verification ( M.O.V. ) within 15 days of the verification notice, as required by law.

Deadlines 30 days : Reinvestigation must be completed, with written results provided.

15 days : M.O.V. must be provided if the account is verified.

Preservation of Rights If these violations persist, I will escalate through the CFPB, FTC, and private legal action seeking statutory damages under FCRA 616617. This letter serves as formal notice of preservation of rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation