Consumer complaint received 2025-05-23 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: MD

Complaint narrative:
I, XXXX XXXX ( XXXX : XX/XX/XXXX, XXXX Last XXXX : XXXX ), am filing this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, against multiple furnishers and credit reporting agencies due to inaccurate, unverifiable, and misclassified information being reported on my credit file. I have contacted TransUnion, Experian, and Equifax directly regarding these issues, and I am now escalating the matter to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and Better Business Bureau ( BBB ) due to non-compliance and failure to properly address or remove these accounts. 


The following accounts are in dispute : XXXX. XXXX XXXX ( Student Loans ) Multiple entries listed as separate installment accounts across TransUnion and Equifax, while Experian correctly reports them as one open education loan. 

TransUnion Account # XXXX {$900.00} Opened XX/XX/XXXX Status : Closed TransUnion Account # XXXX {$2000.00} Opened [ Not listed ] Status : Closed TransUnion Account # XXXX {$5500.00} Opened XX/XX/XXXX Status : Closed Equifax Account # XXXX {$3500.00} Opened XX/XX/XXXX Status : Closed Equifax Account # XXXX {$5500.00} Opened [ Not listed ] Status : Closed Experian Account # XXXX {$3700.00} Opened XX/XX/XXXX Status : Open Experian Account # XXXX {$2100.00} Opened [ Not listed ] Status : Open Issue : These accounts are inaccurately reported as duplicates or closed. They appear re-aged or misclassified. Only Experian appears to reflect accurate status. I am requesting deletion of incorrect entries from TransUnion and Equifax. 

XXXX. XXXX XXXX XXXX Account # XXXX {$860.00} Opened XX/XX/XXXX Listed on Experian, TransUnion, and Equifax Issue : This collection is re-aged and possibly duplicated. It appears under multiple names ( XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX ). I am requesting immediate deletion due to unverifiability and inconsistency across the bureaus. 

XXXX. XXXX XXXX XXXX Account # XXXX {$680.00} Opened XX/XX/XXXX Listed only on Experian Issue : Account listed as a debt buyer with no connection to the original creditor. Appears unverifiable. I never received notice of this debt. Requesting deletion and cease reporting. 

XXXX. XXXX XXXX XXXX Account # XXXX {$150.00} Opened XX/XX/XXXX Listed only on Experian Issue : This collection contains no original creditor information, no supporting data, and an incorrect future date. This violates FCRA accuracy standards. Requesting immediate removal. 

XXXX. XXXX XXXX TransUnion Account # XXXX {$1200.00} Opened XX/XX/XXXX Status : Closed Equifax Account # XXXX {$1200.00} Opened XX/XX/XXXX Status : Closed Experian Account # XXXX {$1200.00} Opened XX/XX/XXXX Status : Closed Issue : Same account reported across all bureaus but potentially derogatory and not verified. I am requesting deletion unless full documentation and validation are provided. 

XXXX. XXXX XXXX XXXX Bank TransUnion Account # XXXX {$0.00} Opened XX/XX/XXXX Status : Open Equifax Account # XXXX {$0.00} Opened XX/XX/XXXX Status : Open Experian Account # XXXX {$0.00} Opened XX/XX/XXXX Status : Open Issue : Misclassified across bureaus reported as open account on TransUnion and Equifax, and secured credit card on Experian. The inconsistency affects my credit mix and scoring model. I request correction or deletion from TransUnion and Equifax. 

XXXX. Current / XXXX Experian Account # XXXX {$0.00} Opened XX/XX/XXXX Status : Open Issue : This account appears only on Experian and is completely unverifiable. I have no knowledge of authorizing this account. I request immediate deletion due to lack of validation and possible identity error. 

Requested Resolution : Under FCRA Sections XXXX and XXXX, I am requesting the permanent deletion of the inaccurate, unverifiable, and misclassified accounts listed above. Please confirm in writing within XXXX calendar days. All supporting documentation ( including highlighted credit reports, ID, and proof of address ) have been submitted with this complaint. 

This matter is also being filed with the FTC, CFPB, and BBB for record-keeping and formal review. 

Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XX/XX/XXXX SSN Last XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief