Consumer complaint received 2025-09-19 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Equifax/Experian Re : Formal Dispute of Inaccurate, Incomplete, and Inconsistent Account Reporting Account Name : Medical ( Equifax ) XXXX XXXX XXXX ( XXXX ) Account Number : XXXX Dear Equifax/Experian I am writing XXXX formally dispute the accuracy, completeness, and consistency of the above-referenced account appearing on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), I have the right to dispute any information in my credit file that I believe is inaccurate or incomplete. I request a full investigation of this account and deletion of the inaccurate data if it can not be fully verified as accurate and complete. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- SPECIFIC DISPUTED INCONSISTENCIES & INACCURACIES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- The following material discrepancies are present across the nationwide consumer reporting agencies : Original Creditor / Name : - Equifax reports : @ actualPaymentAmount '' : '' 0 and Creditor listed only as " credi '' - Experian reports : " Center for Oral Facial '' and " surg '' These materially conflict and create uncertainty as to the true creditor and the identity of the account. Such incomplete and conflicting data fails the standard of maximum possible accuracy under FCRA 1681e ( b ).

Term / Source / Type : - Equifax : Blank - Experian : Blank This renders the account incomplete and unverifiable under FCRA 1681i ( a ) ( 1 ) ( A ). 

Account Status : - Equifax : Open - Experian : Charge-Off It is impossible for the same account to be simultaneously Open and Charged-Off. This is a direct contradiction. 

Most Recent Adverse Rating : - Equifax : No Data Available - Experian : Collection/Charge-Off Missing and contradictory data violates accuracy and completeness duties under FCRA 1681e ( b ).

Comments : - Equifax : " Medical '' - Experian : " Unpaid balance reported as a loss by credit grantor '' The inconsistent commentary is misleading and demonstrates the bureaus are not maintaining uniform or updated information, violating FCRA 1681i ( a ) ( 5 ). 

Payment History : - Equifax : No history available - Experian : No history available Reporting a delinquent/charged-off status without showing any payment history or 30/60/90 day late notations makes the status unverifiable and misleading, violating FCRA 1681e ( b ).

Because of these inconsistencies, this account is being reported in a manner that is inaccurate, incomplete, and misleading. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- APPLICABLE FEDERAL LAWS & REGULATIONS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -XXXX XXXX XXXX FCRA XXXX ( a ) XXXX XXXX Requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days. 

XXXX XXXX  FCRA 1681e ( b ) XXXX XXXX Requires credit bureaus to follow reasonable procedures to assure maximum possible accuracy of the information they report. 

XXXX XXXX FCRA 623 ( a ) ( 1 ) ( A ) XXXX XXXX Prohibits furnishers from reporting information known or reasonably believed to be inaccurate. 

XXXX XXXX FCRA 623 ( a ) ( 8 ) XXXX XXXX Requires that disputes submitted through the CFPB or other agencies be treated as direct disputes. 

XXXX XXXX 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) XXXX XXXX Requires deletion of information that can not be verified as accurate. 

XXXX XXXX FTC Staff Opinion to XXXX ( XX/XX/XXXX ) XXXX XXXX Clarifies that " if the CRA can not verify the accuracy, it must delete the information. '' XXXX XXXX  CFPB Bulletin XXXX XXXX XXXX  Requires furnishers to review all relevant information when responding to disputes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must go beyond parroting the furnisher and must perform an independent investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX information that creates a materially misleading impression violates FCRA. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- NOTICE REGARDING CFPB-GOVERNED DISPUTES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Pursuant to XXXX XXXX 15 U.S.C. 1681s-2 ( a ) ( 8 ) ( E ) ( iii ) XXXX XXXX any dispute submitted via the Consumer Financial Protection Bureau ( CFPB.gov ) constitutes a direct dispute and must be handled in full compliance with FCRA 623 ( a ) ( 8 ). This includes the duty to conduct a reasonable investigation and correct or delete inaccurate information. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- REQUEST FOR METHOD OF VERIFICATION ( MOV ) FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- If and only if you verify this account as accurate following your reinvestigation, I hereby request, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), that you provide me with a XXXX XXXX detailed Method of Verification ( MOV ) XXXX XXXX within XXXX XXXX 15 days after your verification XXXX XXXX. This must include : 1. The name of the person who verified the information ; 2. The name, address, and telephone number of each furnisher contacted ; 3. A description of the documentation reviewed ; and 4. A description of the procedure used to determine the accuracy of the data. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DEADLINES -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dispute Investigation must be completed within XXXX XXXX 30 days XXXX XXXX of receipt of this letter, as required under FCRA 1681i ( a ) ( 1 ) ( A ). 
MOV must be provided within XXXX XXXX  15 days after and only if XXXX XXXX the account is verified as accurate. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PRESERVATION OF RIGHTS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Please be advised that if you fail to correct or delete the disputed information, or if you continue to report unverifiable or inaccurate information, you will be in violation of the FCRA and other applicable federal laws. 

I reserve the right to pursue all available legal remedies, including but not limited to, filing complaints with the CFPB and FTC, initiating arbitration under the FCRA, or filing civil litigation for statutory damages, actual damages, attorneys fees, and costs. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- REQUESTED ACTION -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Because this account is being reported with multiple material inconsistencies, inaccuracies, and incomplete data, and because it can not be simultaneously accurate as currently reported, I request that you XXXX XXXX  delete this account entirely from my credit file XXXX XXXX 

Please confirm your receipt of this dispute and send your written response to my address listed above. 

Sincerely, _________________________________________ XXXX XXXX  XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation