Consumer complaint received 2025-06-19 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: PA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX RE : Formal Dispute Under FCRA Inaccurate Reporting of XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern : I am formally disputing the accuracy and completeness of the account referenced above under my credit file. This account is being reported with material inconsistencies across the three credit bureaus, which is a violation of the Fair Credit Reporting Act ( FCRA ), including 1681i, 1681s-2 ( a ) ( 1 ) ( A ), and 1681e ( b ).

Below are the discrepancies noted in your reporting of this account : 1. Conflicting Last Activity Dates TransUnion reports last activity as XX/XX/XXXX Equifax and Experian report last activity as XX/XX/XXXX This is a material inconsistency affecting the age and relevance of the account. 

XXXX. Conflicting Status Reporting TransUnion : Status = Open Equifax : Status = Refinanced Experian : Status = Charge Off An account can not simultaneously be open, refinanced, and charged off. This is a clear violation of FCRA 623 ( a ) ( 1 ) ( A ) reporting information with knowledge of its inaccuracy.

3. Discrepancies in Most Recent Adverse Rating TransUnion : Most recent adverse = Collection/Charge-off Equifax : No data available Experian : Collection/Charge-off Missing data from Equifax creates an incomplete picture, which is also inaccurate under FCRA 1681e ( b ) ( duty to maintain maximum possible accuracy ).

4. Conflicting Comments/Remarks TransUnion : " Placed for Collection '' Equifax : `` Refinanced '' Experian : " Unpaid Balance Reported As A Loss By Credit Grantor '' Again, these remarks contradict each other and reflect completely different account handling statuses.

5. No Payment History Across All Bureaus Payment history is absent on all three reports, making it impossible to determine proper delinquency progression and further calls into question the integrity of the account reporting.

6. Term Source Type All bureaus list this field as blank, which further reflects a lack of complete and verifiable account data.

Applicable Laws and Case Support : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report information they know or have reasonable cause to believe is inaccurate.

FCRA 1681e ( b ) Bureaus must maintain reasonable procedures to ensure maximum possible accuracy.

FCRA 1681i ( a ) ( 1 ) ( A ) Bureaus must conduct a reasonable reinvestigation of disputed information. 

XXXX XXXX Equifax, XXXX XXXX XXXX A court found that reporting inconsistent data between agencies without correcting it constitutes inaccuracy under the FCRA. 

XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXrnishing misleading or contradictory information constitutes inaccuracy under FCRA. 

Requested Action : Immediately conduct a thorough reinvestigation of this account. 

If the account is verified as accurate, provide the full Method of Verification ( MOV ), including : The name of the person contacted, The documents relied upon, The date and manner of verification.

If your investigation can not resolve the inconsistencies, delete this account entirely from my credit report as required by FCRA 1681i ( a ) ( 5 ) ( A ).

Forward all results of your reinvestigation to me within 30 days of receiving this notice, per federal law.

Failure to comply with your FCRA obligations will leave me no choice but to consider filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and potentially pursuing civil damages under FCRA 1681n and 1681o.

Attached : Attached is a copy of my passport for proof of identity a copy of utility for proof of address Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation