Consumer complaint received 2025-06-16 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX SSN : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the XXXX XXXX XXXX account reporting on my credit file under account number XXXX. After reviewing my reports from TransUnion, Experian, and Equifax, I have identified several critical discrepancies in how this single account is being reported across the XXXX bureaus. These inconsistencies directly violate the Fair Credit Reporting Act ( FCRA ), which requires that all information furnished to consumer reporting agencies be complete and accurate. 
Under FCRA Section 611 ( 15 U.S. Code 1681i ), I request that you conduct a reinvestigation of this account and, pursuant to Section 611 ( a ) ( 7 ), provide the method of verification, including : The name and address of the entity you verified the data with The documents or data used to verify it A detailed explanation of your procedures If you can not verify this information with documented accuracy and consistency, the FCRA mandates that the account be deleted from my credit file entirely. 

Inaccuracies Identified : High Balance TransUnion and Experian report {$28000.00} Equifax reports {$23000.00} Date of Last Activity TransUnion and Experian report XX/XX/XXXX Equifax reports XX/XX/XXXX Remarks TransUnion reports no remarks Equifax reports Charged Off Account Experian reports Unpaid Balance Reported as a Loss by XXXX XXXX Late Payments ( XX/XX/XXXX Days Late ) TransUnion : XXXX Equifax : XX/XX/XXXX ( clearly XXXX XXXX lates with no XXXX lates is mathematically and logically impossible ) Experian : XXXX ( also contradictory ; XXXX instances of being XXXX  days late implies at least XXXX prior XXXX lates ) Months Reviewed TransUnion : XXXX Equifax : XXXX Experian : XXXX Payment History TransUnion : XXXX No history available '' Equifax : " Youve made 100 % of payments for this account on time '' Experian : " Youve made 0 % of payments for this account on time '' These conflicting data points show the reporting on this account is not just inconsistent, but materially inaccurate, which directly violates FCRA Section 607 ( b ) requiring credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

Additionally, the precedent set in XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) held that a credit reporting agency is liable if it fails to conduct a reasonable reinvestigation after being notified of such discrepancies. Reporting an account this inconsistently opens your organization to the same legal scrutiny. 

I am not asking you to simply " update '' or " verify '' this account. I am formally challenging its accuracy. You are now on notice. If you verify the current state of this account without providing me a detailed method of verification as required by FCRA 611 ( a ) ( 7 ) and fail to correct or remove these errors, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), FTC, and Attorney Generals office. 

Please respond to this request within 30 days as required under federal law. Failure to do so will be considered a violation of my rights as a consumer. 

Sincerely, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief