Consumer complaint received 2025-07-25 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: CT

Complaint narrative:
Formal Complaint Failure to Correct Inaccurate Credit Report Information After Prior Disputes I am submitting this formal complaint against the three major credit bureausTransUnion, Experian, and Equifaxfor continuing to report inaccurate, incomplete, or unverifiable information on my credit reports. I have already submitted prior disputes directly to the credit reporting agencies and furnishers, but the issues remain unresolved. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681e ( b ) and 1681i.

Below are the disputed accounts and the issues with each : XXXX XXXX Multiple tradelines are reported under XXXX  XXXX, each with conflicting or fragmented data : - One account appears as included in XXXX  XXXX bankruptcy on Equifax and TransUnion, while Experian lists it as a charge-off and " resolved dispute '' with no indication of bankruptcy. 
- Another XXXX  XXXX account from XXXX, where I was only an authorized user, is listed only on Experian and Equifax. TransUnion fails to report it at all. 
- A third entry appears only on Equifax with no details except a bankruptcy remark, making it look like a separate derogatory account. 

I requested deletion or correction of these records due to inconsistencies, duplications, and misleading reporting that do not reflect my actual credit history. 

-- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Experian reports three different auto or personal loans under this credit union : - One reports a charge-off with a {$2700.00} balance. 
- Two additional accounts are marked Paid and Closed but are missing from TransUnion and Equifax entirely.

There is no clarity if these are separate loans or duplicate entries. I am requesting clarification, correction, or deletion if these accounts can not be verified. 

-- - XXXX Equifax is reporting a XXXX flexible spending credit card on which I am only an authorized user. 
- The account appears with a {$2900.00} balance and remarks stating Closed by credit grantor. 
- It is not reported by Experian or TransUnion at all. 

This tradeline, being that of an authorized user, should not reflect derogatory remarks or impact my credit standing. I previously asked Equifax to correct this entry but received no resolution. 

-- - XXXX ( XXXX XXXX ) This account is listed with three different statuses : - TransUnion : XXXX  XXXX bankruptcy. 
- Experian : Closed due to inactivity with a charge-off and loss by credit grantor. 
- Equifax : Included in bankruptcy. 

The reporting is inconsistent, and the payment statuses do not align. Ive asked all three bureaus to reconcile these contradictions, but the errors remain. 

-- - XXXX XXXX This account does not belong to me. 
- TransUnion reports it as an open account with a {$0.00} balance and bankruptcy remark. 
- Experian reports it as closed with a {$5400.00} balance and charge-off status. 
- Equifax also lists it as closed and included in bankruptcy. 

I have no knowledge of this loan. I never opened a loan with XXXX XXXX and have requested all three credit bureaus delete this account from my reports. They have failed to do so.

Company response to consumer: Closed with non-monetary relief