Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Complaint Summary : TransUnion is reporting impossible, inaccurate, and unlawful late payment histories and charge-off statuses on multiple accounts in my credit file. These errors violate the Fair Credit Billing Act ( FCBA ), Truth in Lending Act ( TILA ), Fair Credit Reporting Act ( FCRA ), and XXXX reporting standards. The furnishers ( XXXX and XXXX XXXX XXXXXXXX XXXX are providing contradictory and unverifiable data.

I have filed multiple disputes with TransUnion and the furnishers. Each time, TransUnion has : Failed to conduct a reasonable reinvestigation Relied on automated e-OSCAR responses Verified impossible and contradictory data Ignored FCBA, FCRA, and XXXX requirements I am requesting CFPB assistance because the reporting is factually impossible, legally invalid, and causing substantial harm to my creditworthiness.

SECTION B SPECIFIC ACCOUNTS & ISSUES 1. XXXX Account Ending XXXX FALSE CHARGE-OFF TransUnion reports a charge-off but the payment grid shows : No 30-day late No 60-day late No 90-day late No 120-day late Every month is OK.

A charge-off can not exist without delinquency.

This violates : FCBA 1666 TILA 1637 ( b ) FCRA 1681e ( b ) FCRA 1681i XXXX charge-off coding requirements This account is impossible and must be deleted. 

2. XXXX  XXXX XXXX Accounts ( XXXX, XXXX, XXXX ) LATE PAYMENTS AFTER ACCOUNT CLOSURE Each account shows : Late payments reported AFTER the account was closed Charge-offs with no prior delinquency history Payment grids showing OK before closure Late payments can not occur after closure.

These errors violate : FCBA 1666 FCBA 1666b TILA 1637 ( b ) FCRA 1681e ( b ) FCRA 1681i XXXX reporting structure TransUnion is reporting impossible delinquencies.

SECTION C SUMMARY OF HARM Due to these errors, I have suffered : Credit denials Higher interest rates Inability to refinance Emotional distress Reputational damage These inaccuracies materially damage my credit profile.

SECTION D LAWS VIOLATED 1. Fair Credit Billing Act ( FCBA ) 1666 Billing error corrections 1666b Proper crediting of payments 2. Truth in Lending Act ( TILA ) 1637 ( b ) Accurate account itemization 3. Fair Credit Reporting Act ( FCRA ) 1681e ( b ) Maximum accuracy requirement 1681i Duty to reinvestigate 1681s-2 ( b ) Furnisher responsibility 1681n & 1681o Civil liability 4. XXXX Standards Charge-off requires delinquency sequence Lates can not occur after closure TransUnion and the furnishers have violated all of the above.

TransUnion is reporting false and impossible late payments and charge-offs on several accounts. These include late payments occurring AFTER accounts were closed and charge-offs without any prior delinquency sequence. This violates FCBA, TILA, FCRA, and XXXX standards. TransUnion has failed to conduct a reasonable reinvestigation per FCRA 1681i, continues to verify impossible information, and relies solely on automated responses. I request CFPB intervention to compel deletion of all inaccurate tradelines.

Company response to consumer: Closed with non-monetary relief