Consumer complaint received 2025-09-06 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:
Date : XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX DOB : XX/XX/XXXX SSN ( last 4 ) : XXXX Email : XXXX Phone : XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian Information Solutions , Inc. 
XXXX XXXX  XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Account Name : XXXX Card Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am formally disputing inaccurate, incomplete, and inconsistent reporting on my consumer credit files. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., grants me the right to dispute such information and requires the consumer reporting agencies ( CRAs ) to ensure maximum possible accuracy ( 1681e ( b ) ).

Disputed Account Information The following account contains material discrepancies across the credit bureaus : 1. High Balance TransUnion : {$330.00} Experian : {$0.00} Equifax : {$230.00} 2. Last Verified TransUnion : XX/XX/XXXX Experian : Blank Equifax : Blank 3. Date of Last Activity TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX 4. Date Reported TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX 5. Date Opened TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX 6. Closed Date TransUnion : XX/XX/XXXX Experian : Blank Equifax : Blank 7. Last Payment TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX 8. Account Type TransUnion/Experian : XXXX XXXX XXXX Equifax : Blank 9. Credit Limit TransUnion/Experian : {$300.00} Equifax : {$0.00} These discrepancies are in violation of FCRA requirements for accuracy, completeness, and fair reporting.

Legal Grounds for Dispute FCRA 1681e ( b ) CRAs must follow reasonable procedures to assure maximum possible accuracy. Conflicting reports violate this standard.

FCRA 1681i ( a ) ( 1 ) ( A ) Requires reinvestigation within 30 days of receiving this dispute.

FCRA 1681i ( a ) ( 2 ) CRAs must forward all relevant dispute information to the furnisher.

FCRA 1681i ( a ) ( 5 ) ( A ) Unverifiable information must be deleted.

FCRA 1681s-2 ( b ) Furnishers must correct inaccurate data after notice.

CFPB Bulletin 2014-01 Directs CRAs/furnishers that disputes received via CFPB.gov must be treated with the same obligations as direct disputes under 623 ( a ) ( 8 ).

Case Law : Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ) Reinforces the duty of CRAs to conduct more than a cursory review.

Richardson v. Equifax, 2007 WL 1074094 ( E.D. Tex. 2007 ) Conflicting data across bureaus is evidence of inaccuracy.

CFPB.gov Disputes Equal to Direct Disputes This dispute is being submitted via CFPB.gov. Under FCRA 623 ( a ) ( 8 ), CRAs and furnishers are legally required to treat indirect disputes ( via regulatory agencies such as CFPB ) with the same seriousness, timelines, and procedures as direct disputes.

CFPB Bulletin 2014-01 confirms that disputes routed through CFPB.gov are not secondary or optional ; they are subject to the full protections of the FCRA.

FTC Staff Opinion Letters similarly establish that indirect disputes are binding and must be investigated equally.

Accordingly, my dispute must be processed identically to a direct dispute, with all protections afforded under 1681i and related provisions.

Request for Method of Verification ( MOV ) If this account is verified as accurate, I demand full Method of Verification as outlined in FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Specifically, you must provide : The name, address, and telephone number of the furnisher contacted.

A detailed description of the procedures used to determine the accuracy of the account.

This information must be provided within 15 days of completing the reinvestigation. Failure to provide this constitutes a violation of the FCRA.

Deadlines & Expectations 30 days : Complete reinvestigation as required under 1681i.

15 days after verification : Provide full Method of Verification.

If the disputed account can not be verified with complete accuracy, it must be deleted from all reports.

Preservation of Rights I am preserving all rights to pursue legal action under FCRA 1681n and 1681o if violations persist, including claims for statutory, actual, and punitive damages, as well as attorneys fees. Willful noncompliance will be treated accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief