Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate and inconsistent information reporting on my credit file regarding the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all data reported is accurate and complete. I am requesting the immediate deletion or correction of this information.

The inaccurate information includes the following, as highlighted in my report : * Account Terms / Number of Months : The term is reported inconsistently across bureaus as " Monthly, '' " 72 Months, '' and " Biweekly ( due every 2 weeks ). '' This inconsistency must be corrected or removed as it affects how the account is evaluated.

* High Credit : Reported as {$20000.00} for TransUnion and Experian, but is either omitted or misreported by Equifax. All data must match across bureaus or be corrected. 
* Credit Limit : Shows " {$0.00} '' or blank across all bureaus. As an installment account ( auto loan ), a {$0.00} limit is not appropriate and creates a misleading impression. 
* Comments Section : The comments show inconsistent and conflicting statuses : * TransUnion : Account information disputed by consumer.

* Experian : Account information disputed by consumer under the Fair Credit Reporting Act.

* Equifax : CHARGED OFF ACCOUNT REDEEMED REPOSSESSION.This language is misleading and implies different statuses of the same account. The language should be uniform and accurate across all reports. 
* Date Last Active : The date is inconsistent TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX, Equifax : XX/XX/XXXX. These can not all be correct and this affects scoring models and the accounts impact. 
* Date of Last Payment : TransUnion and Experian show XX/XX/XXXX, while Equifax shows XX/XX/XXXX. Please verify and correct.

Furthermore, I previously disputed this account, and the furnisher claimed it was verified. However, the information remains clearly inaccurate, incomplete, and inconsistent, which violates FCRA 1681i ( a ) and 1681s-2. Simply marking an account as verified without properly investigating and correcting the factual
inconsistencies is not sufficient under the law.

Action Requested : I am formally requesting that this account be : 1. Fully investigated, and 2. Deleted from my credit report if accurate and consistent information can not be provided by the furnisher.

Please complete your reinvestigation within the 30-day period mandated by the FCRA and provide a written response to the results. If this account is verified again without correction, I request that you provide the method of verification and the name and contact information of the party who verified it, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 
Enclosed are copies of my identification and a copy of the disputed report highlighting the inaccurate information for your review. 
Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with non-monetary relief