Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
To : TransUnion LLC Equifax Information Services LLC Experian Information Solutions Inc . 

From : Name : XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Re : Dispute of XXXX XXXXXXXX Acct # XXXX Purpose : Correction of Late Payment Reporting Inconsistencies To Whom It May Concern, I am submitting this formal dispute regarding the XXXX  XXXX account listed under account number XXXX. This account is currently reporting conflicting and inaccurate late payment data across all three credit bureaus. I am not requesting deletion of this account I am simply requesting that the payment history be corrected and updated to reflect that the account was paid on time and in good standing. 

Discrepancies and Reporting Inconsistencies : XXXX. Last Activity Date : TransUnion XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Account Type : TransUnion XXXX Equifax : Blank Experian : Charge Account XXXX. XXXX  : TransUnion : Account Closed by XXXX XXXX Equifax : Closed or Paid Account / XXXX Balance Experian : Account in Good Standing, Closed at XXXX XXXX XXXX XXXX. Months Reviewed : TransUnion XXXX Equifax : 11 months Experian : 12 months XXXX. XXXX XXXX : TransUnion & Experian : {$280.00} Equifax : {$100.00} XXXX. High Credit : TransUnion XXXX Experian : {$100.00} Equifax : {$0.00} XXXX. Payment History ( On-Time % ) : TransUnion : 73 % Equifax & Experian : 75 % FCRA and Case Law Violations : These inconsistencies and incorrect late payment history violate multiple sections of the Fair Credit Reporting Act ( FCRA ), which grants me the right to accurate and verifiable credit reporting : -FCRA 1681e ( b ) : Credit bureaus must maintain procedures to ensure maximum possible accuracy.

-FCRA 1681i ( a ) : Requires a thorough and reasonable reinvestigation of any disputed information.

-FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : If verified, I am entitled to a Method of Verification, including the identity of the furnisher and verification method. 

-XXXX  XXXX TransUnion, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) : Reinforces the CRAs duty to conduct independent investigations beyond merely repeating what the furnisher says. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Internal contradictions and inconsistent data are considered inaccurate and a violation of FCRA. 

-XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Held that creditors and bureaus must resolve material inconsistencies during investigations. 

Requested Action : I am requesting that the late payment reporting on this account be corrected across all three credit bureaus to reflect 100 % on-time payment history, in line with the positive remarks already associated with the account. 

If the account is verified as accurate, I respectfully request the Method of Verification ( MOV ) as allowed under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). 
This must include : The name and contact of the data furnisher The procedures used in the reinvestigation Any supporting documentation received during the verification If this correction is not completed within the 30-day legal period, I may escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) and may seek legal remedies for FCRA violations XXXX 

Thank you for your prompt attention to this matter. 

Enclosed A copy of my state id for proof of identification A copy of my utility for proof of address A screenshot of the highlighted inconsistencies being reported by this account to the credit bureaus Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief