Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Credit Dispute and Request for Immediate Deletion of Inaccurate Information XXXX XXXX To Whom It May Concern : I am writing to formally dispute the reporting of the account from XXXX XXXX ( Account # ending in XXXX ) as displayed on my credit report. This account is currently being reported inaccurately and inconsistently between TransUnion and Equifax, in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i, 1681s-2 ).

Inaccuracies Identified : 1. Balance Owed Discrepancy : TransUnion reports a balance of {$12000.00}, while Equifax reports a balance of {$0.00}. This is a clear contradiction in data, affecting my debt-to-income ratio and credit utilization.

2. Account Status Conflict : TransUnion lists this account as Open while Equifax reports it as Closed/Charged Off. A single account can not simultaneously be open and charged off.

3. Payment Status Inconsistency : TransUnion shows " Late 60 Days '' while Equifax reports the status as " Collection/Chargeoff '' and " Derogatory '' which are significantly different implications.

4. Reporting Dates Conflict : TransUnion lists the " Date Reported '' as XX/XX/XXXX, but Equifax lists it as XX/XX/XXXX. This affects the age of delinquency and can falsely extend the damage to my credit score. 



5. Inaccurate High Balance : TransUnion reports the high balance as {$12000.00}, while Equifax reports {$12000.00} again indicating discrepancies in the same account information.

Legal Grounds : Under the Fair Credit Reporting Act, I have the right to expect that all information reported about me is accurate and verifiable. Specifically : 15 U.S.C. 1681i mandates that consumer reporting agencies must conduct a reasonable investigation when a consumer disputes the accuracy of an item.

15 U.S.C. 1681e ( b ) requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information.

15 U.S.C. 1681s-2 ( b ) obligates furnishers of information ( like XXXX XXXX XXXX to correct and update inaccurate data once they are notified of a dispute. 


Impact : This inaccurate and contradictory information is severely damaging my creditworthiness, causing my credit score to be artificially lowered ( TransUnion XXXX, Equifax XXXX ). This false reporting is impairing my ability to obtain credit, favorable interest rates, housing, and other essential services. 

Demand for Immediate Deletion : Because of the verified and documented inaccuracies, I am demanding that TransUnion and Equifax immediately delete this XXXX XXXX account from my credit file in accordance with the FCRA. 

Please complete your investigation within 30 days of receipt of this dispute, as required by law. If you are unable to verify the accuracy of this account in full compliance with the FCRA, the account must be deleted. 

I Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation