Consumer complaint received 2025-08-22 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: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX  Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC, XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian, XXXX. XXXX XXXX, XXXX, TX XXXX Re : Formal Dispute of XXXX XXXX Reporting Request for Deletion/Correction and Method of Verification Account Number : XXXX To Whom It May Concern, I am formally disputing the reporting of my XXXX XXXX account as it contains numerous inconsistencies, inaccuracies, and false late payment history across all three credit reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ). 

Specific Discrepancies Reported : Account Status : TransUnion : Closed Equifax : Open Experian : Charge Off Last Activity : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXXXXXX  Experian : XX/XX/XXXXXXXX  Responsibility : TransUnion : Individual Experian : Individual Equifax : Undesignated Remarks : TransUnion : XXXX  XXXX Bankruptcy Equifax : Bankruptcy XXXX  XXXX Experian : Unpaid balance reported as a loss by credit grantor Payment History ( XX/XX/XXXX30/60/90 lates ) : TransUnion : XXXX Equifax : XXXX ( factually impossible ) Experian : XXXX I have never been late on this account. This is false and defamatory reporting. ( If late payments are reported as accurate please provide method of verification ) Months Reviewed : TransUnion : XXXX Equifax : XXXX Experian : XXXX Term Source Type : All three report : Blank High Balance : TransUnion : {$360.00} Equifax : {$0.00} Experian : {$360.00} High Credit : TransUnion : {$350.00} Equifax : {$0.00} Experian : {$350.00} Current Payment Status : TransUnion : {$0.00} Equifax : {$0.00} Experian : Collection/Charge Off Payment History Detail : TransUnion : No history available Equifax : No history available Experian : Claims only 56 % of payments were made on time ( false ) Legal Violations Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) : Conflicting dates, statuses, balances, and payment history violate the FCRAs requirement that CRAs ensure maximum possible accuracy. 

Failure to Properly Investigate 15 U.S.C. 1681i ( a ) : When notified of inaccuracies, CRAs must conduct a reasonable reinvestigation. Failure to do so is a statutory violation.

False Payment Reporting FTC/CFPB Guidance : Both the FTC and CFPB have held that reporting late payments where none exist is unlawful and constitutes inaccurate and misleading reporting.

Direct vs. Indirect Disputes 623 ( a ) ( 8 ) : Disputes submitted via CFPB.gov must be treated no differently than direct disputes filed with CRAs, as both are governed by the FCRA. 

Method of Verification Request ( 15 U.S.C. 1681i ) If you claim to verify this account as accurate, I request the following as required by law : The name, address, and contact information of the furnisher of information who verified accuracy. 

The specific documents or records you relied upon in verifying. 
Confirmation that records were obtained directly from XXXX XXXX, not a third-party vendor. 

Failure to provide this information within 15 days after verification will constitute non-compliance. 

Resolution Requested Immediate correction of all inaccurate information to reflect : Pays As Agreed / Never Late Accurate and consistent account status, balance, and terms If proper verification can not be produced, the account must be deleted entirely. 

Deadlines & Legal Reservation You have 30 days from receipt of this dispute to conduct a reinvestigation per 1681i.

You have 15 days to respond to my MOV request after verification. 

If inaccuracies remain, I reserve all rights to file complaints with the CFPB, FTC, and Ohio Attorney General, and pursue legal remedies including statutory damages under 15 U.S.C. 1681n & 1681o. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation