Consumer complaint received 2025-08-16 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Equifax Information Services LLC XXXX XXXX  XXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Acct # XXXX ) To Whom It May Concern : I am disputing the accuracy of the above-referenced account under the Fair Credit Reporting Act ( FCRA ). This dispute is submitted via XXXX, which under 15 U.S.C. 1681s-2 ( a ) ( 8 ) must be treated as a direct dispute carrying the same obligations as if I submitted it directly to you.

The reported information is inaccurate, inconsistent, and unverifiable across TransUnion, Equifax, and Experian. The FCRA requires consumer reporting agencies to ensure the maximum possible accuracy of all data furnished ( 607 ( b ), 15 U.S.C. 1681e ( b ) ). Inconsistent reporting across bureaus violates this standard and materially misleads creditors.

Documented Inconsistencies Date of Last Activity TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX ( Violation : 607 ( b ) ; see XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) conflicting dates demonstrate unreliability. ) Account Type TransUnion & Experian : Credit Card Equifax : Blank ( FTC XXXXtaff Commentary requires complete and consistent account data. Omission violates 611 ( a ) ( 1 ) ( A ). ) Remarks TransUnion : Blank Equifax : Charged off account Experian : Unpaid balance reported as a loss by credit grantor, purchased by another lender ( Contradictory remarks are materially misleading. See XXXX XXXX Credit Bureau XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). ) Delinquency History ( XX/XX/XXXX30/60/90 Days Late ) TransUnion : 0/0/0 Equifax : 2/3/4 Experian : 2/3/1 ( Mutually exclusive reporting can not all be accurate. This is inherently unreliable and violates 607 ( b ). ) Months Reviewed TransUnion : 0 Equifax : 0 Experian : Blank ( Failure to report consistently undermines data integrity required under the FCRA. ) High Balance TransUnion : {$730.00} Equifax : {$730.00} Experian : {$0.00} ( Material inconsistency ; unverifiable without source documents. ) High Credit TransUnion & Experian : {$300.00} Equifax : {$0.00} ( Conflicting figures render the reporting unreliable. ) Payment History TransUnion : No history available Equifax : 68 % on-time Experian : 55 % on-time ( Inherently contradictory ; see XXXX XXXX TransUnion, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) inaccurate derogatory reporting actionable under FCRA. ) Legal Demands Reinvestigation : Conduct a full reinvestigation of this account with the furnisher ( XXXX XXXX XXXX under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

Method of Verification ( MOV ) : If verified as accurate, provide a complete MOV under 1681i ( a ) ( 6 ) ( B ) ( iii ) within 15 calendar days, including : Name, address, and phone number of the furnisher, Specific documents or electronic records used in verification, How those records were obtained and authenticated.

Correction or Deletion : If you can not verify with original source documentation, this account must be deleted from all reports ( 611 ( a ) ( 5 ) ( A ) ).

No Manipulation : Updating, altering, or curing this account after the 30-day reinvestigation deadline will be considered post-deadline manipulation and a willful violation of the FCRA.

Deadlines 30 Days Complete reinvestigation ( 1681i ( a ) ( 1 ) ( A ) ) 15 Days Provide Method of Verification if verified as accurate ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ) Preservation of Rights If you fail to comply, I reserve the right to pursue remedies including filing complaints with the CFPB, FTC, and state regulators, and seeking damages in federal court under 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ). 
Respectfully, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief