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 being reported on my credit report concerning the account listed below. Pursuant to the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ], I am requesting an immediate investigation and deletion or correction of the erroneous data. 
Account Name : XXXX Number : XXXX Opened : XXXX Creditor : XXXX Upon reviewing my credit reports, I have found multiple discrepancies in the information reported across all three bureaus : 1. Inconsistent Date Last Active & Date of Last Payment * TransUnion reports Date Last Active as XX/XX/XXXX, but also shows the Date of Last Payment as XX/XX/XXXX. 
* Experian shows the Date Last Active as XX/XX/XXXX, with the Date of Last Payment as XX/XX/XXXX. 
* Equifax reports Date Last Active as XX/XX/XXXX, while the last payment is shown as XX/XX/XXXX. 
These inconsistencies contradict each other and violate FCRA 1681e ( b ), which requires that information furnished to credit bureaus be accurate and up to date.

2. Reporting of Repossession with Inconsistent Status Dates & Comments * TransUnion reports a repossession with the last reported date as XX/XX/XXXX, but shows no recent payment activity to support activity in XXXX. 
* Equifax marks the repossession as Involuntary Repossession, but Experian provides no such detail.

* This variance in how the repossession is classified and dated can mislead potential creditors, which violates FCRA guidelines for fair and consistent reporting.

3. Payment History Conflicts and Reporting of R/F Codes * The payment history includes codes such as R and F for extended periods with no clear explanation.

* There is no legend or detail in the credit report to explain what these letters mean. If they refer to repossession or charge-off status, they should not be repeated monthly once the account is closed or written off.

* Under FCRA 1681i, you are required to ensure clarity and accuracy in reporting, and this vague and repeated use of undefined codes fails that standard.

Requested Action In accordance with the FCRA, I am requesting the following : 1. Immediate investigation into the inaccuracies listed above. 2. Deletion or correction of all inaccurate, inconsistent, or unverifiable information.

3. A copy of the updated credit report once the investigation is complete.

4. Notification of the results of the investigation in writing within 30 days, as required by FCRA.

I have enclosed a copy of the highlighted report and my identification for verification purposes.

Thank you for your prompt attention to this matter. If this information can not be verified or corrected accurately, it must be deleted from my credit report per FCRA 1681i ( a ) ( 5 ) ( A ).

Sincerely, [ Your Full Name ] Enclosures : * Copy of Credit Report Highlighting Disputed Information * Proof of Identity ( e.g., driver 's license or utility bill )

Company response to consumer: Closed with explanation