Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally dispute and demand immediate deletion of materially inaccurate and misleading information appearing on my consumer credit file regarding an account associated with XXXX XXXXXXXX XXXX ( Account ending in : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Summary of inaccurate reporting Account : XXXX XXXXXXXX XXXX Account # ( partially masked ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Balance reported : {$130.00} on TransUnion and Equifax. 
Date opened : reported as XX/XX/XXXX ( TransUnion ) and XX/XX/XXXX ( Equifax ). 
Date of last activity : TransUnion lists XX/XX/XXXX ; Equifax lists XX/XX/XXXX. 
Closed date : TransUnion lists XX/XX/XXXX ; Equifax omits a closed date. 
Date reported to CRAs : TransUnion XX/XX/XXXX ; Equifax XX/XX/XXXX. 
Dispute flag : TransUnion shows Account not disputed ; Equifax shows Account disputed. 
Creditor remarks are inconsistent and contain contradictory statements across CRAs. 
Legal grounds for this complaint Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., furnishers and CRAs have clear statutory obligations, including but not limited to : XXXX possible accuracy ( XXXX XXXX. XXXX ( b ) / XXXX ( b ) ) Consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy of consumer report information. The conflicting dates and inconsistent dispute notation reported to different bureaus demonstrate a failure to meet this statutory requirement. 
Prohibition on furnishing inaccurate information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) / 623 ( a ) ( 1 ) ( A ) ) Furnishers may not report information they know, or should know, is inaccurate. The presence of materially inconsistent dates of last activity ( including a later activity date that would re-age the account ) strongly indicates furnishing of inaccurate information.

Obligation to report disputes consistently ( 15 U.S.C. 1681s-2 ( a ) ( 3 ) / 623 ( a ) ( 3 ) ) Once a consumer disputes an account, the furnisher must notify all consumer reporting agencies to which it provides the information. The CRAs inconsistent dispute flags show this duty has not been performed.

Duty to investigate ( 15 U.S.C. 1681i and 1681s-2 ( b ) ) After notice of dispute, furnishers and CRAs must conduct a reasonable reinvestigation, correct any inaccuracies, and provide the consumer with results. The persistence of these inaccuracies after dispute ( and the inconsistent results between CRAs ) indicates the investigations were not reasonable or complete. 
Prohibition on re-aging ( 15 U.S.C. 1681c and relevant FTC guidance ) Re-reporting a newer date of last activity after an account has been charged off can improperly extend the reporting period and is unlawful. The listing of XX/XX/XXXX on Equifax when TransUnion shows last activity in XXXX ( and the account was charged off in XXXX ) suggests an improper re-aging that lengthens the time this derogatory tradeline may appear on my file.

When deleted, update all products derived from your files ( score providers, direct furnishing partners ) and provide proof of such downstream corrections.

Company response to consumer: Closed with non-monetary relief