Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Formal Complaint Regarding Widespread, Systemic Inaccuracies on My Credit Reports from Equifax, Experian, and TransUnion in Violation of FCRA and FDCPA To Whom It May Concern : I am writing to file a formal complaint against Equifax, Experian, and TransUnion, as well as several data furnishers, for persistent and severe violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). My credit files contain numerous material inaccuracies, conflicting information, and incomplete data that are causing significant financial and personal harm.

Despite the legal requirement under FCRA ( 15 U.S.C. 1681e ( b ) ) for Consumer Reporting Agencies ( CRAs ) to " follow reasonable procedures to assure maximum possible accuracy, '' my reports are riddled with errors that a simple data audit should have caught.

Key Violations and Evidence : Systemic Date of First Delinquency ( DOFD ) Errors and Illegal Re-Aging : The DOFD, which governs the 7-year reporting period for derogatory information, is reported with gross inconsistency across my reports. This strongly suggests illegal re-aging of old accounts by furnishers. 
XXXX XXXX XXXX XXXX ( Acct. XXXX XXXX XXXXXXXX ) : Equifax reports a XXXX of XX/XX/XXXX, while Experian and TransUnion payment data clearly indicate the first delinquency occurred in XXXX XXXX. This discrepancy on the Equifax report is a flagrant violation of the FCRA 's reporting timeline ( FCRA 605 ) and Metro 2 guidelines. 
XXXX XXXX ( Acct. XXXX XXXX XXXXXXXX ) : The DOFD for this single account is reported differently by all three bureaus : XX/XX/XXXX ( Equifax ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( TransUnion ). This demonstrates a complete failure of the furnisher to report accurate data and the CRAs ' failure to identify such a blatant conflict. 
Inaccurate, Incomplete, and Misleading Account Information : XXXXXXXX XXXX XXXXXXXX : On my Equifax report, the Original Creditor information for three separate collection accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is completely missing. This is a direct violation of the FCRA 's requirement for complete information. Without this, I am unable to properly identify the alleged debt. 
XXXX ( Acct. XXXX XXXX XXXXXXXX ) : TransUnion reports a balance of {$2000.00}, while Equifax and Experian report a balance of {$1900.00}. This is a material inaccuracy. 
THE XXXX XXXX XXXX Acct. XXXX XXXX XXXXXXXX ) : TransUnion incorrectly lists the account number as XXXX XXXX XXXX a clear data error. 
Conflicting and Unintelligible Account Statuses : The XXXX XXXXXXXX account is listed with nonsensical statuses across the bureaus : " Paid Charge Off '' ( Equifax ), " Paid, Closed / ... written off '' ( Experian ), and " Paid profit and loss '' ( TransUnion ). These statuses are mutually exclusive and deliberately misleading, violating the FCRA 's mandate for accuracy.

Company response to consumer: Closed with explanation