Consumer complaint received 2025-06-11 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: TN

Complaint narrative:
CFPB Complaint TransUnion and Equifax Consumer Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Date : XX/XX/XXXX Subject : Inaccurate and Unverifiable Reporting of XXXX XXXX Account by XXXX  Complaint Summary I am filing this complaint against TransUnion and Equifax regarding the inaccurate and potentially unlawful reporting of a XXXX XXXX  collection account furnished by XXXX  ( XXXX XXXX XXXX ). This account is severely impacting my credit profile due to multiple discrepancies and reporting violations under the Fair Credit Reporting Act ( FCRA ). 

Account Details : Furnisher : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$19000.00} Date Opened : TransUnion : XX/XX/XXXX ; Equifax : XX/XX/XXXX Monthly Payment : Equifax : {$490.00} ; TransUnion : {$0.00} Past Due : {$19000.00} Payment Status : TransUnion : Collection/Chargeoff ; Equifax : Late 120 Days Last Reported Date : TransUnion : XX/XX/XXXX ; Equifax : XX/XX/XXXX Last Payment Date : TransUnion : XX/XX/XXXX ; Equifax : XX/XX/XXXX Date Last Active : TransUnion : XX/XX/XXXX ; Equifax : XX/XX/XXXX FCRA Violations and Inaccuracies : FCRA 607 ( b ) Inaccurate and Misleading ReportingThe reported past due balance of {$19000.00} is unsupported by any documentation and contradicts the listed payment made on XX/XX/XXXX. Reporting this as a collection or charge-off is misleading and materially inaccurate. 

FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate Reporting by FurnisherThe furnisher has reported inconsistent data between TransUnion and Equifax, including differing open dates and payment statuses. This calls into question the credibility and accuracy of the data provided.

FCRA 611 ( a ) ( 1 ) Failure to Verify Disputed DataI have not received any documentation or validation that justifies the reported balance, dates, or delinquency.

FCRA 623 ( a ) ( 2 ) Failure to Update InaccuraciesThe payment reported on 10/18/2023 is not reflected in any balance reduction or update to status, indicating failure to maintain current data. 

Inappropriate Use of " Collection/Chargeoff '' Label for XXXX XXXX XXXX XXXX obligations must follow separate legal processes for collection reporting. There is no evidence this obligation was validated through such a process or that I received prior notice as required under federal or state law. 


Requested Relief : Immediate deletion of the XXXX account from both TransUnion and Equifax credit reports. 

A full method of verification outlining the documentation provided by XXXX to support the following : Balance Date Opened Payment Status Past Due Amount Legal authority to report as a collection account If the data can not be verified in compliance with the FCRA, the account must be removed per 611 ( a ) ( 5 ) ( A ).

Supporting Evidence : Screenshot of current credit report showing all disputed data fields Timeline inconsistencies between TransUnion and Equifax Thank you for your attention to this matter. I request the CFPB to hold TransUnion, Equifax, and the furnisher accountable for any willful noncompliance. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief