Consumer complaint received 2025-12-02 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:
Full name : XXXX XXXX XXXX Address : XXXX XXXX TER # XXXX, XXXX, NY, XXXX DOB : XXXX XXXX : Last XXXX digits of XXXX : XXXX Date : XX/XX/XXXX Credit bureaus or furnishers involved : TransUnion, Experian, Equifax Complaint Summary The purpose of this complaint is to address inaccuracies and unverifiable information on my credit reports, which have not been corrected despite previous disputes. The Fair Credit Reporting Act ( FCRA ) 1681e ( b ), 1681i, and 1681s-2 mandate that credit reporting agencies and furnishers ensure the accuracy and completeness of the information they report. However, several accounts and inquiries on my credit report are inaccurate, unverifiable, or outdated, causing significant harm.

These inaccuracies have impacted my creditworthiness, leading to loan denials and higher interest rates. The failure of the credit bureaus and furnishers to correct these errors despite my disputes has caused undue stress and financial hardship. 
Disputed Accounts XXXX Account # : XXXX ( Experian, Equifax ) Issue : Duplicate charge-off entries with different status dates Violation ( XXXX ) : FCRA 1681e ( b ) - Accuracy of report XXXX XXXX XXXX Account # : XXXX ( Experian, TransUnion ) Issue : Duplicate charge-off entries with inconsistent status dates Violation ( s ) : FCRA 1681e ( b ) - Accuracy of report XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX ( Experian, TransUnion, Equifax ) Issue : Duplicate charge-off entries with different status dates Violation ( s ) : FCRA 1681e ( b ) - Accuracy of report CELTIC XXXX Account # : XXXX XXXX Experian, TransUnion ) Issue : Duplicate charge-off entries with XXXX status dates Violation ( XXXX ) : FCRA 1681e ( b ) - Accuracy of report XXXX XXXXXXXX Account # : XXXX ( Experian, Equifax ) Issue : Inconsistent status between paid charge-off and XXXX charge-off Violation ( XXXX ) : FCRA 1681e ( b ) - Accuracy of report XXXX XXXX CREDIT U Account # : XXXX ( Experian, Equifax ) Issue XXXX XXXX XXXX XXXX with different status dates Violation ( XXXX XXXX : FCRA 1681e ( b ) - Accuracy of report CREDIT ACCEPTANCE XXXX Account # : XXXX ( Experian, TransUnion, Equifax ) Issue XXXX XXXX XXXX XXXX conflicting payment status Violation ( XXXX ) XXXX FCRA XXXX ( b ) - Accuracy of report Hard Inquiry Disputes XXXX Date of inquiry : XXXX Bureau ( XXXX ) reporting it : Equifax Issue : Unauthorized inquiry Legal Reference : FCRA 604 - Permissible purposes of consumer reports XXXX XXXX XXXX  Date XXXX inquiry : XXXX Bureau ( XXXX ) reporting it : Equifax, Experian Issue : Unauthorized inquiry Legal Reference : FCRA XXXX - Permissible purposes of consumer reports XXXX XXXX BANK XXXX Date of inquiry : XXXX Bureau ( XXXX ) reporting it : Equifax, TransUnion Issue : Unauthorized inquiry Legal Reference : FCRA XXXX - Permissible purposes of consumer reports Personal Info XXXX Incorrect XXXX : XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX Correct name : XXXX XXXX XXXX Incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NY, XXXX ; XXXX XXXX XXXX, XXXX, NY, XXXX Correct address XXXX XXXX XXXX XXXX # XXXX, XXXX, NY, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Cite : FCRA XXXX ( b ) for inaccurate personal XXXX reporting XXXX Basis FCRA 1681i, 1681s-2, 1681e ( b ) Metro 2 guidelines - Industry standard for data formatting Consumer Harm The inaccuracies on my credit report have led to loan denials, higher XXXX rates, and have negatively impacted my job and housing opportunities. These errors have caused significant financial stress and have adversely affected my quality of life. 
Requested XXXX XXXX deletion of unverifiable/inaccurate items Full reinvestigation and documentation Correction of any illegal or incorrect reporting

Company response to consumer: Closed with explanation