Consumer complaint received 2025-05-21 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX DOB : XX/XX/XXXX SSN ( last four ) : XXXX XX/XX/XXXX TransUnion/Equifax/Experian RE : Demand for Immediate Deletion Due to Inaccurate and Potentially Duplicated Student Loan Entry Account Number ( as reported ) : XXXX Balance : XXXX To Whom It May Concern, I am writing to formally dispute a student loan account inaccurately reported on my TransUnion/Equifax/Experian credit report. This entry not only contains multiple factual errors, but also raises a serious concern of duplicate reporting under different account numbers. 

This dispute is being filed in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2, which require all information furnished and maintained by consumer reporting agencies to be complete, accurate, and verifiable.

Key Disputes & Inconsistencies : Suspicion of Duplicate Reporting TransUnion account number : XXXX Equifax/Experian account number : XXXX These appear to reference the same debt, yet are reported separately with different identifiers and datasuggesting possible double reporting, which misrepresents my total debt and violates the FCRAs accuracy mandate. 

Conflicting Date of Last Activity TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX These dates can not simultaneously be correct for the same obligation and materially affect scoring models. 

Logically Incoherent Delinquency Data TransUnion : 120 days late, yet reports XXXX for 30/60/90-day late history Equifax : 120 days late, with XXXX Experian : Late 90 Days with XXXX These reports are mathematically impossible. One can not be 90 or 120 days late without first being 30 or 60 days late. This alone justifies removal for failure to report in a consistent or credible manner. 

Payment & Balance Discrepancies Past due amount : TransUnion & Equifax : {$97.00} Experian : {$77.00} Term count : TransUnion & Equifax : 70 Experian : XXXX Payment history TransUnion : 98 % Equifax : 92 % Experian : 100 % These discrepancies paint conflicting pictures of account behavior. Lenders and scoring models are impacted by such mismatches. 

My Demands : Under the FCRA, I am asserting my right to accurate and fully verifiable reporting. Therefore, I demand the following : A complete and independent reinvestigation into this account 's accuracy and origin. 
A detailed, documented Method of Verification ( M.O.V. ) if you intend to claim the account is accurate. This must include verification directly from the original creditor not a third-party data furnisher or automated system.

Immediate deletion of this account if any portion of the data can not be fully verified, corrected, and reconciled across all data fields.

An explanation of how these conflicting entries were verified, and a response addressing the potential double-reporting concern.

Do not merely update this account. If the errors can not be fully corrected and substantiated with original documentation, the only appropriate and compliant remedy is permanent removal.

If this account is not removed or properly addressed within the required 30-day window, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and pursue all legal remedies available under the FCRA for willful or negligent noncompliance.

This dispute is being submitted in good faith. I expect a full response and resolution within 30 days as mandated by federal law.

Attached Is My Passport for identification purposes/ My w2 for address verification and highlights of inconsistencies Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation