Consumer complaint received 2025-05-30 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Social ( Last XXXX ) : XXXX Date : 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 Inaccurate Late Payments and Inconsistent Reporting of XXXX XXXX XXXXccount Account Name : XXXX XXXXXXXX XXXXccount Number ( partial ) : XXXX Consumer : XXXX XXXX Dear Credit Bureau Representative , I am writing to initiate a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, concerning inaccurate late payment reporting and inconsistencies across all three credit bureaus related to my XXXX XXXX account. 

I am not disputing the existence of this account. However, I am formally disputing the reported late payments, which are incorrect, and I am requesting the account status be updated to reflect Pays As Agreed. Additionally, I am disputing multiple inconsistencies in reporting between the bureaus. 

I

naccuracies and Inconsistencies Identified : 1. Account Type : TransUnion reports this field as blank. Equifax and Experian report it as Charge Account. This inconsistency may affect how the account is factored into credit scoring models.

2. Remarks : TransUnion : no remarks listed.

Equifax : " Charge '' Experian : This is an account in good standing.

These differences create confusion and inconsistency in how the account is interpreted.

3. Months Reviewed : TransUnion and Equifax : 40 months Experian : 41 months A one-month discrepancy suggests potential reporting lag or inaccuracy.

4. High Balance : TransUnion and Experian : {$4100.00} Equifax : {$0.00} This conflict calls into question which bureau holds accurate information. 

XXXX. Payment History / On-Time Payment Percentage : TransUnion : 98 % on-time Equifax and Experian : 96 % on-time Since I have never been late on this account, these percentages are incorrect and imply derogatory marks that should not exist. 

Legal Grounds for Dispute Under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), consumer reporting agencies must use reasonable procedures to ensure maximum possible accuracy of information in credit reports.

Under FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute any information I believe to be inaccurate, and the bureau is required to reinvestigate and correct or delete unverifiable information within 30 calendar days. 
Under FCRA 623 ( a ) ( 1 ) ( A ), a data furnisher such as XXXX may not furnish information if it knows or has reasonable cause to believe the information is inaccurate.

Under FCRA 623 ( b ) ( 1 ), after receiving a dispute from a credit bureau, the furnisher must conduct an investigation, review all relevant data, and delete or correct any information that can not be verified. 

Supporting Case XXXX XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : XXXX can not solely rely on the data furnisher ; they must conduct a reasonable independent reinvestigation. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  : Failure to correct or remove unverified data makes both the bureau and the furnisher legally liable. 

Formal Demand for Action Accordingly, I demand the following : Immediate reinvestigation into the reported late payments and inconsistencies on the XXXX XXXX account. 

Removal of any inaccurate late payment entries and update the account to Pays As Agreed. 

Correction of all inconsistencies related to account type, remarks, payment history, and balance. 

If verified, provide the Method of Verification ( M.O.V. ) in accordance with FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), including the specific documents and systems used. 

Provide written confirmation of your findings and actions taken within 30 days, as required by law. 

Failure to comply may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and potential legal action for noncompliance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation