Consumer complaint received 2025-09-12 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:
From : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX DOB : XX/XX/XXXX SSN ( last XXXX ) : XXXX Phone : XXXX Email : 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 : Formal Dispute of Inaccurate, Incomplete, and Inconsistent Reporting Account Name : XXXX XXXX ( XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am formally disputing the inaccurate, inconsistent, and incomplete reporting of the following account on my consumer file. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), you are required to ensure all information you report is 100 % accurate, complete, and verifiable. The following discrepancies clearly violate your obligations under the law : REPORTING INCONSISTENCIES High Balance - TransUnion reports {$1100.00} - Experian reports {$0.00} - Equifax reports {$1000.00} This is a direct violation of FCRA 1681e ( b ), requiring maximum possible accuracy.

Last Verified Date - TransUnion reports XX/XX/XXXX - Experian & Equifax report blank This incomplete reporting violates FCRA 1681i ( a ) ( 1 ) ( A ) & 1681e ( b ). 

Date of Last Activity ( DLA ) - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX A single account can not have XXXX different activity dates a clear violation of FCRA 1681i ( a ). 

Date Reported - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Contradictory and unverifiable. 

Date Opened - TransUnion : XX/XX/XXXX- Experian & Equifax : XX/XX/XXXX Inconsistent reporting across bureaus violates accuracy requirements under FCRA 1681e ( b ). 

Closed Date - TransUnion : XX/XX/XXXX- Experian & Equifax : blank Incomplete data reporting is prohibited. 

Creditor Type - TransUnion & Experian : Bank Credit Cards- Equifax : All Banks Inconsistent & misleading not maximum possible accuracy.

Creditor Remarks - TransUnion : Charged off as bad debt, canceled by credit grantor - Experian : Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor - Equifax : Charged off account, account closed by credit grantor All three differ materially, which is prohibited under FCRA 1681i.

Last Payment - TransUnion & Experian : Blank - Equifax : XX/XX/XXXX Reporting must be consistent and verifiable across bureaus. 

Account Type - TransUnion & Experian : Credit Card XXXX Equifax : Blank Incomplete & inaccurate. 

Two-Year Payment History - TransUnion : None reported - Experian : OK ( XX/XX/XXXX ), XXXX late ( XX/XX/XXXX ), XXXX late ( XX/XX/XXXX ), XXXX late ( XXXX XXXX ), XXXX late ( XX/XX/XXXX ), Charge-Off ( XXXX XXXX ) - Equifax : Blank A single account can not simultaneously have no history, multiple lates, and blank history violation of FCRA 1681e ( b ).

LEGAL SUPPORTING AUTHORITY - FCRA 1681e ( b ) Requires consumer reporting agencies to assure maximum possible accuracy.

- FCRA 1681i ( a ) ( 1 ) ( A ) Requires reinvestigation of disputed information within 30 days.

- FCRA 1681i ( a ) ( 5 ) ( A ) Information found to be inaccurate, incomplete, or unverifiable must be deleted promptly.

- FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not provide information they know ( or should know ) is inaccurate.

- FCRA 623 ( a ) ( 8 ) Disputes submitted via XXXX are to be treated the same as direct disputes. 

XXXX XXXX : - XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs must go beyond parroting information from furnishers. 
- XXXX v. Equifax, XXXX XXXX XXXX ( XXXX. XXXX. XXXX. XXXX, XXXX ) Failure to properly reinvestigate violates FCRA. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Inaccurate credit reporting subjects CRAs to liability. 

REMINDER CFPB.gov Disputes Disputes submitted via CFPB.gov must be treated no differently than direct disputes. Under 15 U.S.C. 1681s-2 ( a ) ( 8 ), CRAs and furnishers are required to conduct full investigations regardless of submission channel.

METHOD OF VERIFICATION ( Only IF The Account Is Verified As Accurate ) Method of Verification ( MOV ) If this account is verified as accurate, I demand a Method of Verification under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) within 15 days of reinvestigation completion.

This must include : The name, address, and phone number of each furnisher contacted.

The method used to verify the information. Copies of all documents relied upon.

DEMANDS - Delete or correct all inaccurate, inconsistent, and incomplete information within 30 days per 1681i ( a ).

- If you verify as accurate, I formally request a Method of Verification ( MOV ) under FCRA 1681i ( a ) ( 7 ) within 15 days of completion. The MOV must include : 1. The name, address, and telephone number of each furnisher contacted.

2. The method used to verify.

3. A detailed description of the procedure used to determine accuracy.

Failure to comply will constitute willful and negligent violations of the FCRA, subjecting you to damages under 1681n and 1681o. I am preserving all rights to pursue legal action if these violations continue. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief