Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint because multiple creditors and debt XXXX are reporting inaccurate, inconsistent, and unverifiable information across all three major credit bureaus ( Equifax, Experian, and TransUnion ). These errors violate my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX reporting standards. 

Despite prior disputes, the furnishers and credit bureaus have continued to report information that is contradictory, incomplete, or entirely unsupported by any documentation. Many accounts show different dates, different balances, different delinquency histories, missing XXXX, inconsistent payment grids, and missing validation, depending on which bureau is reporting. These patterns are clearly documented in my reports. 

ACCOUNTS BEING REPORTED INACCURATELY XXXX XXXX Multiple Accounts ) Both XXXX accounts ( XXXX and XXXX ) contain conflicting payment histories, different delinquency codes, and contradictory last reported and last active dates across bureaus. Some show late payments, while others show no delinquencies at all. None of the furnishers have provided billing statements, due-date notices, or validation required under XXXX. These inconsistencies make the information unverifiable. 

XXXX XXXX This account shows different high credit, different last payment dates, different late codes, and other inconsistencies across all three bureaus. The furnisher has never provided billing documentation, and XXXX XXXX standards prohibit delinquency reporting after closure yet late codes appear after closure. This makes the account factually inaccurate and not legally verifiable. 

XXXX  ( Multiple Accounts ) XXXX  accounts ( XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX ) appear only on Experian, not on Equifax or TransUnion. 
A single furnisher reporting only to XXXX bureauespecially when accounts contain XXXX lates, charge-offs, and conflicting comments like Now paying/was a charge-offcreates major indicators of mixed-file errors or unverifiable debts. 

No account contains a DOFD, billing statements, itemized charges, or legally required validation. Without this documentation, the charge-off and delinquency status can not be legally verified. 

XXXX XXXX ( XXXX, XXXX, XXXX ) These accounts include different high balances, different charge-off codes, different delinquency histories, different account types, and missing DOFD depending on the bureau. Some show XXXX histories while others show none. Charge-off data is not consistent or compliant. 

XXXX XXXX has not provided a single billing statement or proof of delinquency, despite my disputes. 

XXXX XXXX XXXX displays different opening dates, different high credit amounts, inconsistent late codes, contradictory status comments, and missing payment history on some bureaus. None of the required documentation has been provided. This makes the reporting unreliable and unverifiable. 

XXXX  XXXX XXXX includes missing XXXX XXXX fields, no documented delinquency progression, and no validation. Nothing proves the accuracy or ownership of this debt. 

XXXX XXXX This account shows different statuses across all bureaus ( open, closed, charge-off ), inconsistent past-due amounts, different credit limits, and conflicting payment histories. None of the data matches, and no validation has been provided. 

XXXX ACCOUNTS BEING REPORTED INACCURATELY XXXX XXXX XXXX XXXX  ( multiple accounts ), XXXX, XXXX These collection agencies are reporting accounts with : No original creditor listed No Date of First Delinquency No billing records or itemized charges Different statuses across bureaus ( open vs closed, charge-off vs collection ) Missing, incomplete, or contradictory data Accounts appearing on only XXXX bureau ( a major red flag indicating unverifiable data ) Under FDCPA 809 ( a ), furnishers must validate debt before reporting it. None of these accounts have provided proof of ownership, liability, or validity. 

These entries are legally unverifiable and must be removed. 

XXXX XXXX XXXX ( XX/XX/year> & XX/XX/year> ) These inquiries appear without my authorization or supporting documentation, and do not match any applications I submitted. Under FCRA 1681b, a hard inquiry must have a permissible purpose documented. None exists.

SUMMARY OF VIOLATIONS Across all accounts, the following recurring issues appear : FCRA 1681e ( b ) failure to maintain accurate information FCRA 1681i failure to properly investigate disputes FCRA 623 ( a ) furnishers reporting inaccurate or unverifiable information FDCPA 809 ( a ) collections reported with no validation FCBA 1666 no billing documentation provided XXXX XXXX violations inconsistent coding, missing fields, contradictory data These repeated errors significantly harm me as a consumer, prevent my ability to obtain credit, and violate federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief