Consumer complaint received 2025-09-22 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: MN

Complaint narrative:
Formal Dispute of Inaccurate, Incomplete, and Inconsistent Reporting From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX DOB : XX/XX/XXXX SSN ( Last Four ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Account in Dispute : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I. Nature of Dispute and Summary of Inconsistencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am formally disputing the above-referenced account due to material inaccuracies, inconsistencies, and incomplete data across TransUnion, Experian, and Equifax. These errors violate the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

XXXX XXXX XXXX  Date of Last Activity ( XXXXXXXX XXXX XXXX XXXX XXXX TransUnion & Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX These dates materially conflict and can not all be accurate. 

XXXX XXXX XXXX  Delinquency History ( 30/60/90 Days Late ) XXXX XXXX XXXX Equifax : XXXX ( factually and mathematically impossible ) - Experian : XXXX ( factually and mathematically impossible ) - TransUnion : No data reported These reports are inconsistent, impossible, and inaccurate. I have XXXX XXXX never been late on this account XXXX XXXX  and the record should be adjusted to XXXX XXXX Pays As Agreed XXXX XXXX. 

XXXX. * * Months Reviewed XXXX XXXX  - TransUnion : XXXX - Equifax : XXXX ( factually impossible ) - Experian : XXXX These inconsistencies demonstrate material reporting errors. 

XXXX XXXX XXXX Term/Source Type XXXX XXXX  - All three CRAs report blank fields. 
This constitutes incomplete reporting in violation of accuracy standards. 

XXXX XXXX XXXX High Balance XXXX XXXX  - TransUnion : {$550.00} - Equifax : {$120.00} - Experian : {$0.00} These materially conflicting figures can not all be correct. 

XXXX. XXXX XXXX High Credit XXXX XXXX  - TransUnion : {$470.00} - Experian : {$470.00} - Equifax : {$0.00} Inconsistent reporting violates the duty of accuracy. 

XXXX. XXXX XXXX Payment History XXXX XXXX XXXX TransUnion : No history available - Equifax : 100 % of payments on time - Experian : 72 % of payments on time These statements conflict with each other and with the fact that I have XXXX XXXX never missed a payment on this account XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX II. Applicable Statutory Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : * * Requires maximum possible accuracy.

- * * FCRA 611 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : * * Requires reinvestigation within 30 days.

- * * FCRA 611 ( a ) ( 5 ) ( A ), 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) : * * Information that can not be verified must be deleted.

- * * FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : * * Prohibits knowingly reporting inaccurate information. 
- * * FCRA 623 ( a ) ( 8 ), 15 U.S.C. 1681s-2 ( a ) ( 8 ) : * * Requires disputes submitted via CFPB.gov to be treated the same as direct disputes.

- * * FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : * * Requires provision of Method of Verification upon request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Case Law Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Trans Union CorpXXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  CRAs must do more than parrot furnishers. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reasonable investigation is mandatory. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inadequate or late responses violate FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requires deletion of unverifiable accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Method of Verification Request XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If this account is verified as accurate, I demand full * * Method of Verification * * under * * 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) * *. Specifically : - The name and contact information of the furnisher.

- Copies of all documentation used to verify ( signed agreements, billing records, account-level statements, electronic logs, etc. ).

- Explanation of how conflicting and mathematically impossible data was reconciled. 

This MOV must be provided within * * 15 days * * after verification, not XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Deadlines and Legal Rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Completion of reinvestigation and written response within * * 30 days * * of receipt. 
- MOV provided within * * 15 days * * if verified as accurate. 
- Reporting of mathematically impossible delinquencies and months reviewed is unlawful and must be corrected or deleted. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Preservation of Rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If these violations persist, I reserve all rights to pursue legal remedies under * * 15 U.S.C. 1681n and 1681o * *, including statutory and punitive damages, as well as attorneys fees. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Requested Resolution XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Immediate deletion of the XXXX XXXXXXXX XXXX account, as the data is inaccurate, incomplete, and unverifiable. 
- Written confirmation of all actions taken. 
- Updated copies of my credit reports reflecting corrections. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NY XXXX DOB : XX/XX/XXXX SSN ( Last Four ) : XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief