Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion LLC, XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal FCRA Dispute Demand for Deletion or Full Reinvestigation with Method of Verification Account in Dispute : XXXX XXXX XXXX XXXX Acct # XXXX Dear TransUnion, Experian, and Equifax, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the above-referenced Exeter XXXX XXXX account XXXX which XXXX reporting numerous inconsistencies, inaccuracies, and incomplete information across your respective credit files. This violates your obligations under the FCRA, which requires accuracy, completeness, and consistent reporting of consumer information. 

The following discrepancies exist and must be corrected or deleted : Last Activity Dates : TransUnion XX/XX/XXXX Experian XX/XX/XXXX Equifax XX/XX/XXXX Times 30/60/90 Days Late : TransUnion 0/0/0 Equifax XXXX XXXX mathematically impossible ) Experian 1/2/2 ( mathematically impossible ) Months Reviewed : TransUnion 0 months Equifax 56 months Experian 25 months Term Count : TransUnion 72 Experian 72 Equifax 0 Term / Source / Type : TransUnion Provided Experian Provided Equifax Blank Payment History : TransUnion No history available Equifax 100 % on-time payments ( despite also reporting late payments and a charge-off status ) Experian 8 % on-time payments Balance and Status : Balance reported as {$0.00} by all three bureaus Status reported as Charge-Off, which directly conflicts with the {$0.00} balance CFPB Disputes Governed by the FCRA : Be advised that this dispute was submitted via the Consumer Financial Protection Bureau ( XXXX ) portal and must be treated the same as if submitted directly to you. Under FCRA 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ], consumers may submit direct disputes regarding the accuracy of information furnished to a consumer reporting agency. Further, under FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], upon receipt of a notice of dispute from a consumer, a consumer reporting agency must conduct a reasonable reinvestigation within 30 days. The FCRA makes no distinction based on the method of submission ; therefore, disputes received via the CFPB carry the same legal obligations and timelines as disputes received directly.

These conflicts violate FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires CRAs to follow reasonable procedures to assure maximum possible accuracy, and FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], which requires CRAs to conduct a reasonable reinvestigation of disputed information within 30 days. Additionally, under FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], furnishers are prohibited from reporting information they know or should know is inaccurate.

Reporting a {$0.00} balance while also reporting the account as a charge-off is materially misleading and violates the accuracy provisions of the FCRA. The CFPB and FTC have both issued guidance clarifying that inconsistent data points that misrepresent the true status or history of an account are considered inaccurate reporting.

FTC guidance ( FTC XXXX Opinion to XXXX, XXXX ) confirms that reporting incomplete or conflicting information violates the FCRA. In XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court ruled that CRAs must conduct a reasonable and good-faith reinvestigation, not merely rely on automated responses from furnishers. 

If you verify this account as accurate, I invoke my right under FCRA 611 ( a ) ( 7 ) [ 15 U.S.C. 1681i ( a ) ( 7 ) ] to receive within 15 days of such verification : The full name, address, and contact information of the furnisher who verified the item A description of the method used to verify the information A copy of the original documentation relied upon Required action : Conduct a full reinvestigation within 30 days as required by 1681i ( a ) ( 1 ) ( A ) If unverifiable, delete the XXXX XXXX XXXX account from my credit files If verified, provide the Method of Verification response within 15 days Failure to comply will result in complaints to the CFPB, FTC, and Georgia Attorney General, as well as legal action under 15 U.S.C. 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) seeking statutory damages, actual damages, attorneys fees, and injunctive relief. This letter serves as notice of preservation of all legal rights and remedies. No waivers are intended or implied. 

I demand full compliance within the timeframes provided by federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief