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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/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 and consistency of the XXXX XXXX XXXXXXXX account listed under account number XXXX, as reported by TransUnion, Experian, and Equifax. After careful review of my credit file, I have identified multiple serious reporting discrepancies that violate the Fair Credit Reporting Act ( FCRA ). 

According to 15 U.S. Code 1681i ( a ), I am requesting a reinvestigation of this account. In accordance with FCRA Section 611 ( a ) ( 7 ), I also request the method of verification including : The name and address of the party that verified the account information, The exact process used to verify the data, and Copies or summaries of the records used to support verification.

If this account can not be verified with accurate, consistent documentation across all three credit bureaus, it must be corrected or deleted entirely. 

Inconsistencies in Reporting : Date of Last Activity TransUnion & Experian : XX/XX/XXXXXXXX  Equifax : XX/XX/XXXX Times 30/60/90 Days Late TransUnion : XXXX Equifax : XXXX Experian : XXXX These variances are materially significant and indicate flawed data retention or inaccurate furnishing by the creditor. 

Months Reviewed TransUnion : XXXX Equifax : XXXX Experian : 13 Term Count TransUnion XXXX Experian : XXXX Equifax : XXXX A XXXX term count on Equifax contradicts the other bureaus and suggests incomplete or inaccurate file data. 

Amount Past Due TransUnion & Experian : {$1900.00} Equifax : {$1500.00} The variation in past due amount further supports the need for revalidation.

Payment History Summary TransUnion : 17 % of payments made on time Equifax : 18 % on-time Experian : 15 % on-time These inconsistencies show a lack of data accuracy across reports. The same account can not have three different performance scores. 

Each of these errors violates FCRA Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Furthermore, in Cushman v. TransUnion Corp., XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ), the court ruled that failure to reasonably investigate a dispute makes a credit bureau liable for damages. I am not requesting a simple verification. I am invoking my legal right to dispute inaccurate and conflicting reporting, and I expect a complete reinvestigation and a detailed method of verification in writing. 

Please respond to this dispute within the 30-day timeframe outlined by federal law. If verification can not be performed with exact and consistent documentation, I request full deletion of the account from all three bureaus.

Attached is copy of my state id for proof of identity. 
a copy of my utility for proof of address highlighted screenshot of proof of inconsistencies Sincerely, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief