Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Credit Reporting Inaccuracies under FCRA Dear CFPB Representative, I am submitting this formal dispute to report and challenge a range of inaccuracies and inconsistent reporting by XXXX, Equifax, and XXXX, as shown in my IdentityIQ credit report dated XX/XX/XXXX ( Ref # : XXXX ). 

These inaccuracies violate key provisions of the Fair Credit Reporting Act ( FCRA ) including : - 15 U.S.C. 1681e ( b ) Duty to maintain maximum possible accuracy - 15 U.S.C. 1681i ( a ) Right to dispute and prompt reinvestigation - 15 U.S.C. 1681g ( a ) Right to full disclosure of credit information 1. Personal Information Discrepancies- Incorrect Name : XXXX  incorrectly lists XXXX XXXX XXXX this is not my legal name. 
- Address Format : Inconsistent formatting ( e.g., XXXX XXXX  vs. XXXX XXXX and ZIP code variants ). 
- Date of Birth : XXXX  only shows the year ( XXXX ), others list full birthdate ( XX/XX/XXXX ). 
- Employer Name Variations : Listed inconsistently as XXXX XXXX XXXX and XXXX XXXX. 
XXXX. Disputed Accounts ( Finalized & Corrected ) - XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Discrepancies in charge-off status and last payment activity across the credit bureaus. 
- XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Issue : Formatting inconsistencies and differing status remarks. 
- XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Issue : Marked with payment history inconsistencies. 
- XXXX XXXX / XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Appears as a charge-off and collection, inconsistent across bureaus. 
- XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Inconsistent payment history and status across bureaus. 
- XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Issue : Listed as charged off and transferred, inconsistently reported. 
- XXXX XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Conflicting remarks like Charged off and Canceled by XXXX XXXX. 
- XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Listed as a charge-off with varying remarks. 
- XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Issue : Reported only by TransUnion. 
- XXXX  XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Issue : Listed as a collection account on all bureaus without creditor name. 
- XXXX XXXX XXXX related to XXXX XXXX  - Issue : Listed as collection with inconsistent reporting across bureaus. 
XXXX. Conflicting Dates Several accounts show differing 'last activity ' and 'last reported ' dates across the credit bureaus. These discrepancies can impact creditworthiness and violate FCRAs requirement for consistent data. 
XXXX. Summary Account Totals - Total Accounts : XXXX  ( XXXX ), XXXX/Equifax ( XXXX ) - Open Accounts : XXXX  ( XXXX ), XXXX  ( XXXX ), Equifax ( XXXX ) - Closed Accounts : XXXX  ( XXXX ), XXXX  ( XXXX ), Equifax ( XXXX ) Requested Resolution I respectfully request that the CFPB : 1. Open a formal investigation into each dispute listed.

2. Require the three credit bureaus to verify or correct the disputed information.

3. Remove any data that is unverifiable or inaccurate.

4. Provide written results of the investigation within the statutory 30-day timeframe.

Please find the annotated credit report enclosed, with all disputed entries clearly marked.

Thank you for your time and assistance in enforcing the FCRA and ensuring accurate credit reporting. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief