Consumer complaint received 2025-08-30 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX Whisper Willow Pl Spring, TX XXXX Email : XXXX Phone : [ Insert Preferred Phone Number ] DOB : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Inaccurate, Incomplete, and Inconsistent Reporting DiscoverCard ( Account No. XXXX ) XXXX Disputes Carry the Same Legal Weight as Direct Disputes Pursuant to FCRA 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ], disputes submitted through the Consumer Financial Protection Bureau ( CFPB.gov ) complaint portal must be treated with the same legal effect and obligations as disputes submitted directly to a consumer reporting agency or furnisher.

This means the credit bureaus can not delay, downgrade, or treat a CFPB.gov dispute any differently than a direct dispute. All statutory duties under FCRA 607 ( b ), XXXX, and XXXX apply equally, including the XXXX reinvestigation requirement and the duty to delete unverifiable or inconsistent information. 

Dear Credit Bureau Representative, This letter serves as a formal dispute of inaccurate, incomplete, and materially inconsistent reporting regarding the above-referenced DiscoverCard account, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The following discrepancies appear across your reporting agencies, which constitutes a violation of FCRA 607 ( b ) ( maximum possible accuracy ), 611 ( a ) ( 1 ) ( duty to investigate and correct ), and 623 ( a ) ( 1 ) ( A ) ( furnishers can not report information they know or should know is inaccurate ). 

Documented Inconsistencies XXXX. Date of Last Activity TransUnion & XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX. Remarks/ Account Status TransUnion : XXXX XXXX  : Charged-off account XXXX  : Unpaid balance reported as a loss by XXXX XXXX XXXX. Delinquency History ( XX/XX/XXXX Days Late ) TransUnion : XXXX XXXX  : XX/XX/XXXX ( factually impossible ) XXXX  : XXXX ( factually impossible ) XXXX. Number of XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX. XXXX XXXX TransUnion : {$9500.00} XXXX  : {$9400.00} XXXX  : {$0.00} XXXX. XXXX XXXX TransUnion : {$8500.00} XXXX  : {$0.00} XXXX  : {$8500.00} XXXX. Payment History TransUnion : No history available XXXX XXXX XXXX XXXX on-time XXXX XXXX XXXX XXXX  on-time Applicable Law, Guidance, and Case Law FCRA 607 ( b ) : Bureaus must follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) : Bureaus must complete reinvestigation within 30 days of receiving a dispute.

FCRA 611 ( a ) ( 5 ) ( A ) : Unverifiable information must be deleted, not updated with new inaccuracies.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : If verified, the bureau must provide the Method of Verification ( M.O.V. ), including the furnishers name, address, and telephone number.

FCRA 623 ( a ) ( 8 ) : Disputes submitted through the CFPB.gov portal must be treated the same as direct disputes to a CRA. 
CFPB XXXX XXXX : Requires CRAs to conduct independent, reasonable investigations and not rely solely on furnishers. 
FTC XXXX XXXX Letters ( XXXX, XXXX ) : XXXX must delete unverifiable or inconsistent information. 
XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs must perform an independent investigation, not merely parrot the furnisher. 
XXXX v. XXXX, XXXX XXXX XXXX : Failure to meet statutory timelines requires deletion. 

Demand for Action Given these clear violations and contradictions, I demand the following under FCRA : Immediate Deletion of the DiscoverCard account as unverifiable, inconsistent, and materially misleading. 

If verified, provide XXXX of XXXX within 15 days of the verification notice ( not XXXX ), including : The name of the furnisher, The address of the furnisher, The telephone number of the furnisher, The exact records relied upon in verification. 

Deadlines XXXX  days : Complete reinvestigation and provide written results. 
days : Provide M.O.V. if verified as accurate. 

Preservation of Rights If you fail to comply, I will escalate this matter through CFPB, FTC complaints, and private legal action for statutory damages under FCRA XXXX and XXXX. This letter serves as formal notice of my preservation of rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation