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 XXXX, XXXX  XXXX 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 Inaccurate Late Payments & Inconsistent Reporting of XXXX XXXX Account Account Name : XXXX XXXX Account Number ( partial ) : XXXX Consumer : XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last 4 digits ) : XXXX Dear Credit Bureau Representative, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inconsistent and inaccurate information being reported across all three credit bureaus concerning my open XXXX XXXX account. 

I am not disputing the account itself. I am, however, disputing the reported late payments and inconsistent data, which are factually incorrect and damaging to my creditworthiness. I have never been late paying this account and I am requesting that it be corrected to reflect a Pays As Agreed status. 

Inaccuracies and Inconsistencies Identified : 1. Last Activity Date : TransUnion reports XX/XX/XXXX Equifax reports XX/XX/XXXX Experian reports XX/XX/XXXX These dates are inconsistent across all bureaus. 

2. Remarks : TransUnion : blank Equifax : reports only " Credit Card '' Experian : inaccurately reports Account 30 days past due date, despite no history of missed payments.

3. Late Payments ( XX/XX/XXXX ) : TransUnion : 1/0/0 Equifax : 1/0/0 Experian : 2/0/0 I have never been late on this account. These entries are false and should be removed immediately unless fully verified with actual billing and payment records. 

4. Months Reviewed : TransUnion reports 48 Equifax reports 62 Experian reports 63 These differences raise concerns about update frequency or data transfer accuracy.

5. On-Time Payment Percentages : TransUnion : 98 % Equifax : 96 % Experian : 92 % These numbers are inconsistent and incorrect. Given my never-late status, the percentage should reflect 100 % on-time payments. 

Legal Grounds for Dispute In accordance with the Fair Credit Reporting Act ( FCRA ), I am exercising my rights under 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires that credit reporting agencies maintain maximum possible accuracy in consumer files. I am also asserting my right under 611 [ 15 U.S.C. 1681i ] to dispute any item I believe to be inaccurate or unverifiable, and I formally request a reinvestigation of the late payment ( s ) being reported. If this account is verified, I am demanding the Method of Verification ( M.O.V. ) under 611 ( a ) ( 6 ) ( B ) ( iii ). Furthermore, under 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ], furnishers of information must not report data they know or have reasonable cause to believe is inaccurate. Upon receipt of this dispute, the furnisher is obligated under 623 ( b ) ( 1 ) to conduct an investigation and correct or delete any information found to be inaccurate. If these obligations are not met, both the credit bureau and the furnisher may be held liable, as established in XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) and XXXX XXXX XXXXXXXX XXXX ( XXXX ). I am not disputing the account itself, only the inaccurate late payment notation, which I maintain has no factual basis and must be removed unless independently and fully verified. 

Supporting Case XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit bureaus can not merely rely on the furnishers word ; they must conduct an independent and reasonable investigation. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Continued reporting of inaccurate or unverified data exposes both the CRA and furnisher to liability. 

Formal Demand for Action I am requesting the following : Immediate reinvestigation into the XXXX XXXX account on my credit reports. 

Removal of all reported late payments unless fully verified with actual billing and payment documentation. 

Correction of inconsistencies related to last activity date, months reviewed, and payment percentages.

Update the account to reflect Pays As Agreed and 100 % on-time payment status.

If verified, provide a Method of Verification ( M.O.V. ) as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Provide written confirmation of your findings within 30 days, as mandated by law.

Failure to correct these discrepancies or provide lawful verification will result in formal complaints to the CFPB, FTC, and potential legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation