Consumer complaint received 2025-09-14 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Social ( Last Four ) : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, XXXX XXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Re : Formal Dispute XXXX Inaccuracies and Incomplete Reporting Account in Dispute : XXXX Partial Account No. : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I am disputing the accuracy and completeness of the XXXX account currently reporting on my credit file. This account contains numerous inconsistencies, inaccuracies, and incomplete data across all three consumer reporting agencies ( CRAs ), which constitutes violations of the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

-- - SECTION I SPECIFIC ERRORS BY BUREAU ( Each item must be fully investigated and corrected ; if unverifiable, delete per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) High Balance - TransUnion : {$1000.00} - Experian : {$1000.00} - Equifax : {$1000.00} Last Verified - TransUnion : XX/XX/XXXX - Experian : ( blank ) - Equifax : ( blank ) Date of Last Activity - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Date Reported - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Date Opened - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Closed Date - TransUnion : XX/XX/XXXX - Experian : ( blank ) - Equifax : ( blank ) Payment Status - TransUnion : 120 Days Late - Experian : 120 Days Late - Equifax : 120 Days Late ( I have never been late paying this account. Please update to " Pays as Agreed / Current. '' ) Term Length - All three bureaus : ( blank ) Account Type - TransUnion : Credit Card - Experian : Credit Card - Equifax : ( blank ) Credit Limit - TransUnion : {$1000.00} - Experian : {$1000.00} - Equifax : ( blank ) Two-Year Payment History ( XX/XX/XXXX ) - TransUnion : XXXX ( mathematically impossible to have more XXXX lates than XXXX lates ) - Equifax : XXXX ( same issue ) - Experian : XXXX ( also mathematically impossible ) * * Requested Outcome * * - Correct all fields to be accurate, complete, and consistent across all bureaus - Remove all late-payment notations and update status to Pays as Agreed/ Current - If any data can not be verified using original source documentation from the furnisher, delete the entire tradeline as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) -- - SECTION II GOVERNING LAW AND DUTIES * * A. Consumer Reporting Agencies ( CRAs ) * * - 15 U.S.C. 1681e ( b ) : Must follow reasonable procedures to assure maximum possible accuracy - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( a ) ( 5 ) ( A ) : Must conduct a reasonable reinvestigation within 30 days and delete unverifiable data - 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) : Must promptly forward all relevant information I provide to the furnisher - 15 U.S.C. 1681i ( a ) ( 6 ) : Must provide written results and an updated report within 5 business days- 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), ( a ) ( 7 ) : If verified as accurate, must provide a Method of Verification ( MOV ) including the name, address, and telephone number of each furnisher contacted, within 15 days of my request - 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Must mark the account in dispute by consumer while under reinvestigation * * B. Furnisher ( XXXX ) XXXX XXXX XXXX  15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), ( a ) ( 2 ) : May not furnish information known or reasonably believed to be inaccurate ; must correct and update any incomplete or inaccurate data - 15 U.S.C. 1681s-2 ( b ) ( 1 ) : Upon receiving notice of a dispute from a CRA, must conduct a reasonable investigation, review all information from the CRA, and correct/delete inaccurate data - 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) : Must report corrections to all CRAs to which information was furnished * * C. Regulation V ( CFPB ) * * - 12 C.F.R. 1022.42 : Must maintain written policies ensuring accuracy and integrity of furnished information - 12 C.F.R. 1022.43 : Must investigate direct disputes on covered subjects and may not deem them frivolous without proper notice * * D. Guidance and Case Law * * - CFPB Circular 2022-07 ( XXXX XXXX, XXXX ) : Disputes may not be improperly dismissed as frivolous - Cushman v. Trans Union , 115 F.3d 220 ( 3d Cir. 1997 ) : CRAs must do more than simply parrot the furnisher - Gorman v. Wolpoff & Abramson, 584 F.3d 1147 ( 9th Cir. 2009 ) : Furnishers must correct information that is materially misleading - Saunders v. BB & T, 526 F.3d 142 ( 4th Cir. 2008 ) : Failing to report an account as disputed can be misleading - Seamans v. Temple Univ., 744 F.3d 853 ( 3d Cir. 2014 ) : Accuracy includes completeness ; misleading reporting violates the FCRA -- - SECTION III CFPB SUBMISSIONS If I submit or have submitted this dispute via CFPB.gov, it must still be treated as a direct dispute under 15 U.S.C. 1681s-2 ( a ) ( 8 ) and 12 C.F.R. 1022.43. This does not diminish your obligations. When a CRA notifies a furnisher of a dispute, the furnisher must still conduct a reasonable investigation under 1681s-2 ( b ). 

-- - SECTION IV SUPPORTING STATEMENT I have never been late on this account. The contradictory balances, dates, payment statuses, and mathematically impossible payment history make this account reporting inaccurate and misleading. Please correct this account to Pays as Agreed / Current, or remove it entirely if you can not verify all reported data. 

-- - SECTION V ADDITIONAL RIGHTS & PROTECTIONS- If any portion of this account is deleted, do not reinsert it unless it is fully certified as accurate and I receive written notice within 5 days ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) - If the furnisher fails to respond, delete this account from my credit file ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) )- This dispute is submitted without waiving any rights or admitting any liability - If violations persist, I reserve the right to pursue legal action for negligent or willful noncompliance under 15 U.S.C. 1681n, 1681o -- - SECTION VI DEADLINES- You must complete your reinvestigation within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) )- If you verify this account as accurate, you must provide the full Method of Verification described above within 15 days of my MOV request ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), ( a ) ( 7 ) ) - If found inaccurate or unverifiable, you must delete or correct it and notify all CRAs to which it was furnished ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ; 1681s-2 ( b ) ( 1 ) ( D ) ) -- - Enclosures : Government-issued ID W-2 with current address and full Social Utility bill with current address Highlighted copy of the disputed tradeline showing inconsistencies Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief