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: NY

Complaint narrative:
To : TransUnion LLC Equifax Information Services LLC Experian Information Solutions Inc . 

From : Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Re : Account Dispute XXXX XXXXXXXX ( Account # XXXX ) To Whom It May Concern, I am submitting a formal dispute of the XXXX XXXX account being reported under account number XXXX. This account contains multiple inconsistencies and inaccuracies across TransUnion, Equifax, and Experian, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Please see the following breakdown of inconsistent and contradictory reporting : 1. Credit Utilization ( Balance vs. Limit ) : TransUnion : Using 115 % of limit with a {$300.00} limit Experian : Same as TransUnion Equifax XXXX Reports Using 0 % of limit and credit limit shows {$0.00} XXXX Credit Limit XXXX TransUnion & Experian XXXX {$300.00} Equifax : {$0.00} XXXX. Last Activity Date : TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Account Type : TransUnion & Experian : Credit Card Equifax : XXXX XXXX. Remarks : Equifax : " Charged Off Account '' TransUnion & Experian : XXXX XXXX. Delinquency History ( XX/XX/XXXX Days Late ) : TransUnion : XXXX Equifax : XX/XX/XXXX Experian : XXXX XXXX. Months Reviewed : TransUnion XXXX Equifax : XXXX Experian : XXXX XXXX. XXXX XXXX : TransUnion XXXX Equifax : {$430.00} Experian : {$0.00} XXXX. High Credit : TransUnion XXXX Experian : {$300.00} Equifax : {$0.00} XXXX. Payment History : TransUnion : No history available Equifax : 100 % on-time payments Experian : 0 % on-time payments These conflicts demonstrate serious reporting errors and suggest a failure by XXXX or more credit reporting agencies to ensure the maximum possible accuracy of my consumer information, as mandated under : -FCRA 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to ensure accuracy.

-FCRA 1681i ( a ) : Requires a reinvestigation of disputed information when a consumer notifies the agency.

-FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : Grants me the right to request the Method of Verification if the account is verified.

-Cushman v. TransUnion Corp. , 115 F.3d 220 ( 3rd Cir. 1997 ) : Agencies must conduct a reasonable reinvestigation and not simply parrot information from furnishers.

-Dennis v. BEH-1 , LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Conflicting or internally inconsistent credit data qualifies as inaccurate under the FCRA.


-Richardson v. Fleet Bank of Mass , 190 F. Supp. 2d 81 ( D. Mass. 2001 ) : Agencies are liable for failing to reconcile conflicting data.

Requested Action : Due to these major inconsistencies, I respectfully request that this Capital One account be : Deleted entirely from all three credit reports if it can not be verified with uniform, consistent data.

-If verified, I am demanding a full Method of Verification ( MOV ) as provided under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), including the name, contact info of the furnisher, and the method used to verify this data.

-If this account is verified without resolving the contradictions above, it may constitute a willful violation of the FCRA . I reserve the right to escalate this matter to the CFPB, FTC, and/or civil litigation if necessary.

Please provide a complete response within the 30-day window required by law.

Attached : A copy of my state id for proof of identity a copy of my utility bill for proof of address a highlighted screen shot of the inconsistencies being reported to the credit bureaus Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief