Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute US Dept of Education / DP of Education / U S Dept of ED/XXXX Account Number : XXXX To Whom It May Concern : This letter is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) regarding the above-referenced account. My credit report contains multiple factual inaccuracies and inconsistencies across the three credit reporting agencies. 

Detailed Inconsistencies : 1. Creditor Name : TransUnion US Dept Ed Equifax DP of Education Experian U S Dept of EDXXXX XXXX XXXX Date of Last Activity : TransUnion XX/XX/XXXX Equifax XX/XX/XXXX Experian XX/XX/XXXX XXXX. Term / Source Type : TransUnion XXXX Equifax XXXX Experian Provided 4.Account Status : TransUnion Charge Off Equifax Open Experian Charge Off 5.Most Recent Adverse Rating : TransUnion Collection/Charge Off Equifax No Data Available Experian Collection/Charge Off 6.Payment History : TransUnion No history available Equifax 100 % of payments made on time Experian 0 % of payments made on time Legal Basis for Dispute : FCRA 602 ( 15 U.S.C. 1681 ) Requires credit reporting to be fair and accurate.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

FCRA 611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputed information and deletion if unverifiable.

Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) CRA must go beyond parroting the furnishers response and conduct a reasonable investigation.

Richardson v. Fleet Bank, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) Inconsistent and contradictory reporting violates the accuracy requirement under the FCRA.

Additional Requirements : This dispute is being submitted via CFPB.gov, which is governed under the same FCRA laws as direct disputes. Per FCRA 611 ( a ) and CFPB guidance, there is no difference in legal obligation between disputes submitted directly to a CRA and those submitted via CFPB. Both require full compliance, reinvestigation, and accuracy assurance.

You have 30 days from the date of receipt of this dispute to respond per FCRA 611 ( a ) ( 1 ) ( A ). Any verification or correction received after the statutory period constitutes a violation.

If you verify the account as accurate, I am demanding a Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), including : The name, address, and contact information of the furnisher.

All documentation you relied upon to verify the account.

The procedure used in your investigation.

Do not send me a generic response. A vague verified statement without documented proof is unacceptable and considered noncompliance with Cushman v. TransUnion and the FCRA.

Demand for Resolution : Given the multiple inconsistencies and contradictions in how this account is reported across all three bureaus, I am demanding immediate deletion of this account from my credit report. If you can not verify with proper documentation from the original creditor, it must be removed. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief