Consumer complaint received 2025-08-23 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: NY

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX XXXX : XXXX Phone : XXXX Date : XX/XX/XXXX Account in Dispute : Creditor Name : XXXX Funding Account Number : XXXX To Whom It May Concern, This is a formal dispute regarding the above-referenced account as reported by TransUnion, Equifax, and Experian XXXX The tradeline contains multiple factual inaccuracies, inconsistencies, and incomplete information, which are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Specific Reporting Inconsistencies Date of Last Activity : TransUnion : XX/XX/XXXX ( impossible I have had no activity in XXXX ) XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX Original Creditor : TransUnion : XXXX XXXX Bank XXXX. 
XXXX  : Blank XXXX  : Blank Term / Source Type : XXXX XXXX XXXX XXXX XXXX Blank XXXX  : Provided Account Status : TransUnion : Charge Off XXXX  : Open XXXX  : Charge Off Most Recent Adverse Rating : TransUnion : Collection/Charge Off XXXX  : XXXX Data Available XXXX  : Collection/Charge Off Payment History : TransUnion : No history available XXXX  : Reports 100 % on-time payments ( impossible for a charge-off/collection account ) XXXX  : No history available Legal Basis for Dispute FCRA XXXX ( b ) : Requires CRAs to follow reasonable procedures to assure maximum possible accuracy of consumer information. Conflicting dates, statuses, and payment histories are violations of this statute.

FCRA 1681i ( a ) : Mandates a reasonable reinvestigation of disputed information within XXXX XXXX.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : If verified, CRAs must provide a Method of Verification ( MOV ) within 15 days of verification. The MOV must include : The name, address, and telephone number of the furnisher that verified the account.

A detailed description of the procedure used to verify the disputed information.

FCRA 623 ( a ) ( 8 ) : Clarifies that disputes submitted through the CFPB must be treated the same as direct disputes. No lesser standard applies. 

XXXX XXXX : XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Courts held that CRAs must do more than a superficial investigation. 
XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Reinforces that incomplete or misleading reporting violates the FCRA. 
XXXX v. XXXX, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) Conflicting reporting across bureaus was deemed inaccurate and actionable. 

Demand for XXXX I hereby demand the immediate deletion or correction of this XXXX XXXX tradeline across all three bureaus. If the tradeline is verified, I demand a XXXX of XXXX ( MOV ) compliant with 1681i within XXXX XXXX of verification. 

If these violations continue, I will view this as willful noncompliance under 15 U.S.C. 1681n & 1681o, and I preserve my right to seek all remedies available under law, including statutory damages, actual damages, attorneys fees, and injunctive relief. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation