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 inc I am writing to formally dispute inaccurate and inconsistent information reporting on my credit file regarding the above-referenced account. Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all data reported is accurate and complete. I am requesting the immediate deletion or correction of this information. 
The inaccurate information includes the following, as highlighted in my report : * Account Terms / Number of Months : The term is reported inconsistently across bureaus as " MonthlyXXXX XXXX XXXX XXXX XXXX XXXX  and " XXXX ( due every XXXX weeks ). '' This inconsistency must be corrected or removed as it affects how the account is evaluated. 
* High Credit : Reported as {$20000.00} for TransUnion and Experian, but is either omitted or misreported by Equifax. All data must match across bureaus or be corrected. 
* Credit Limit : Shows " {$0.00} '' or blank across all bureaus. As an installment account ( auto loan ), a {$0.00} limit is not appropriate and creates a misleading impression. 
* Comments Section : The comments show inconsistent and conflicting statuses : * TransUnion : Account information disputed by consumer. 
* Experian : Account information disputed by consumer under the Fair Credit Reporting Act. 
* Equifax : CHARGED OFF ACCOUNT REDEEMED XXXX language is misleading and implies different statuses of the same account. The language should be uniform and accurate across all reports. 
* Date Last Active : The date is inconsistent TransUnion : XX/XX/XXXX, Experian : XX/XX/XXXX, Equifax : XX/XX/XXXX. These can not all be correct and this affects scoring models and the accounts impact. 
* Date of Last Payment : TransUnion and Experian show XX/XX/XXXX, while Equifax shows XX/XX/XXXX. Please verify and correct. 
Furthermore, I previously disputed this account, and the furnisher claimed it was verified. However, the information remains clearly inaccurate, incomplete, and inconsistent, which violates FCRA 1681i ( a ) and 1681s-2. Simply marking an account as verified without properly investigating and correcting the factual inconsistencies is not sufficient under the law. 
Action Requested : I am formally requesting that this account be : XXXX. Fully investigated, and XXXX. Deleted from my credit report if accurate and consistent information can not be provided by the furnisher. 
Please complete your reinvestigation within the XXXX period mandated by the FCRA and provide a written response to the results. If this account is verified again without correction, I request that you provide the method of verification and the name and contact information of the party who verified it, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( XXXX ). 
Enclosed are copies of my identification and a copy of the disputed report highlighting the inaccurate information for your review. 
Thank you for your prompt attention to this matter. 
Sincerely, onsistent information being reported on my credit file concerning the above-referenced installment account ( XXXX XXXX, Account XXXX XXXXXXXX ). These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( Dispute Procedure ) and 1681s-2 ( Responsibilities XXXX XXXX XXXX XXXX XXXX XXXX 
Despite a previous dispute, I was informed that the account was verified. However, the following inaccuracies remain on my report and must be corrected or deleted if they can not be substantiated with accurate, consistent documentation from the data furnisher. 

Specific Inaccuracies Identified : XXXX. Payment Terms Inconsistency : * TransUnion reports the payment frequency as XXXX. 
* Equifax reports it as XXXX ( due every XXXX weeks ). 
* This inconsistency affects my XXXX and credit risk scoring models and is misleading. One must be corrected to reflect the accurate terms. 
XXXX. Date of Last Payment : * TransUnion : XX/XX/XXXX * Equifax : XX/XX/XXXX * Only XXXX of these can be correct. This information must be verified with accurate payment records or removed. 
XXXX. Date Last Active : * TransUnion : XX/XX/XXXX * Equifax : XX/XX/XXXX * While these match, if the last payment dates are different, the activity date can not be correct on both unless proper evidence supports it. 
XXXX. Past Due Amount and Payment Status Discrepancy : * TransUnion shows a XXXX past due status. 
* Equifax shows the account as Not more than XXXX payments past due. 
* These contradict each other. If the account is only XXXX  days late, it should not be listed as not more than XXXX payments past due, which could imply a XXXX delinquency. 

Legal Grounds for Dispute : Under the Fair Credit Reporting Act ( FCRA ) : * 1681i ( a ) requires you to conduct a reasonable reinvestigation of disputed information. 
* 1681e ( b ) mandates the maintenance of accurate and up-to-date information.

* 1681s-2 ( a ) prohibits furnishers from reporting information they know or have reason to believe is inaccurate. 
Because the account was previously verified despite these clear inconsistencies, I demand either : XXXX. Full correction of the above-stated information with proof from the original creditor ; XXXX. Or deletion of the entire account entry from my credit report, per FCRA 1681i ( a ) ( 5 ) ( A ), if proper verification can not be completed.

Action Requested : * Conduct a reinvestigation of this account. 
* Send me the method of verification, including furnisher contact information. 
* Provide a corrected copy of my credit report once the account is updated or removed. 
I have enclosed a copy of the report highlighting the discrepancies and a copy of my government-issued ID for identity verification. 
Thank you for your immediate attention to this matter. 
Sincerely, [ Your Full Name ] [ Signature if mailing ] Enclosures : * Copy of credit report ( highlighted ) * Copy of ID * Proof of address ( utility bill, etc.

Company response to consumer: Closed with non-monetary relief