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: CT

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ct XXXX DOB : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of Inaccurate and Incomplete Credit Reporting Account in Question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear Transunion/Equifax/Experian This letter serves as a formal dispute of the above-referenced account pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - BASIS OF DISPUTE This account is reporting with multiple inaccuracies and inconsistencies across TransUnion, Equifax, and Experian : XXXX. Date of Last Activity - TransUnion : XX/XX/XXXX - Equifax & Experian : XX/XX/XXXX Conflicting dates violate FCRA 1681e ( b ). 

XXXX. Account Status - TransUnion : Open - Equifax : Refinanced - Experian : Charge Off XXXX  different statuses for XXXX account is materially inaccurate. 

XXXX. Most Recent Adverse Rating - TransUnion & Experian : Collection/Charge Off - Equifax : XXXX Data Available Incomplete and inconsistent reporting violates 1681e ( b ). 

XXXX. Comments/Remarks - TransUnion : Placed for Collection - Equifax : Refinanced - Experian : Unpaid Balance Reported as a Loss by Credit Grantor These contradictory remarks can not simultaneously apply to XXXX debt. 

XXXX. Payment History - All three bureaus : No History Available This is incomplete and misleading under 1681i ( a ). 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - LEGAL AUTHORITY FCRA 1681e ( b ) : Requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 
FCRA 1681i ( a ) : Requires a reasonable reinvestigation within XXXX XXXX of receipt of a dispute.

FCRA 623 ( a ) ( 8 ) : Establishes that disputes submitted via the CFPB portal must be treated the same as direct disputes. They hold the same legal weight under federal law.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : If you verify this account as accurate, you must provide a Method of Verification ( MOV ) including : - The name, address, and phone number of the furnisher contacted, - A detailed description of how the information was verified, - The documentation relied upon. 
Relevant Case Law : Cushman v. Trans Union , LLC, 115 F.3d 220 ( 3d Cir. 1997 ) Requires credit bureaus to go beyond a superficial confirmation and perform an independent, reasonable reinvestigation. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - ON CFPB.GOV DISPUTES Please note : Disputes submitted through the Consumer Financial Protection Bureaus complaint portal carry the same legal authority and must be treated no differently than disputes sent directly to the credit bureaus. Under FCRA 623 ( a ) ( 8 ), furnishers and bureaus are obligated to investigate, correct, and resolve disputes regardless of the channel used. Failure to apply equal treatment constitutes a violation of federal law. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - DEMANDS XXXX. Conduct a full and reasonable reinvestigation of this account within 30 days ( 1681i ( a ) ( 1 ) ).

2. If verified, provide a complete Method of Verification within 15 days of the reinvestigation outcome ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ). 
XXXX. Delete all inconsistent, inaccurate, and incomplete reporting related to this account. 
XXXX. Provide me with an updated credit report reflecting corrections. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - PRESERVATION OF RIGHTS If these violations are not corrected, I will escalate by filing formal complaints with the CFPB, FTC, and my State Attorney General, and I will pursue remedies under FCRA 1681n and 1681o, including actual damages, statutory damages, attorneys fees, and punitive damages. This letter serves as notice of preservation of all rights for legal action.

Enclosures : For verification of my identity and compliance with bureau requirements, I have included a copy of my state-issued identification and Social Security card as proof of identity, along with a copy of my proof of address. In addition, I have enclosed highlighted copies of the credit report pages showing the inconsistencies referenced above, to assist you in conducting a thorough and accurate reinvestigation pursuant to the Fair Credit Reporting Act. 

Sincerely, /s/ XXXX XXXX XXXX

Company response to consumer: Closed with explanation