Consumer complaint received 2025-08-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion, Experian, and Equifax Subject : Formal Dispute of Inaccurate & Inconsistent Reporting XXXX  XXXX Account # XXXX To Whom It May Concern, I am formally disputing the accuracy and consistency of the information being reported on my credit file regarding the above-referenced XXXX  XXXX account. The data currently being furnished by TransUnion, Experian, and Equifax contains multiple conflicting entries and factually impossible reporting, which constitutes violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ) ( reasonable procedures to assure maximum possible accuracy ) and 1681i ( duty to conduct a reasonable reinvestigation ).

Below is a list of the inconsistencies across the three credit bureaus : 1. Date of Last Activity TransUnion & Experian report : XX/XX/XXXX Equifax reports : XX/XX/XXXX Conflicting dates can not all be accurate. 

XXXX. Account Type TransUnion & Experian report : Credit Card Equifax : Blank Material omission by Equifax. 

XXXX. Remarks/ Status TransUnion : Blank Equifax : Charged off account Experian : Unpaid balance reported as a loss ; account closed at credit grantors request Conflicting reporting across bureaus, misleading and inaccurate. 

XXXX. Delinquency History ( 30/60/90 Days Late ) TransUnion : XXXX Equifax : XX/XX/XXXX ( factually impossible ) Experian : XXXX ( factually impossible ) Courts have held that reporting factually impossible delinquencies violates FCRA ( see XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ). 

5. Term / Source Type Blank across all three bureaus Omission constitutes incomplete reporting. 

6. High Balance TransUnion & Equifax : {$490.00} Experian : {$0.00} Conflicting and materially misleading. 

7. High Credit TransUnion & Experian : {$300.00} Equifax : {$0.00} Discrepancy violates accuracy provisions under XXXX ( b ). 

8. Payment History TransUnion : No history available Equifax : 79 % on-time Experian : 22 % on-time These figures directly conflict and can not simultaneously be true. 

Legal Basis & Demand Under 15 U.S.C. 1681e ( b ), you are required to maintain reasonable procedures to assure maximum possible accuracy. The above discrepancies prove this duty has not been met. 

Under 15 U.S.C. 1681i ( a ), you must conduct a reasonable reinvestigation of any disputed information within 30 days of receipt of this notice.

If verified as accurate, I am requesting the Method of Verification pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) within 15 days of verification.

Per 15 U.S.C. 1681s-2 ( a ) ( 8 ), disputes filed through the CFPB are to be treated no differently than direct disputes, and I expect equal compliance. 

Courts have consistently ruled in favor of consumers where CRAs or furnishers failed to reasonably investigate or reported impossible/contradictory data ( see XXXX v. XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ; XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ). 

Remedy Requested I demand the immediate correction or deletion of the above XXXX XXXX tradeline from all three credit bureaus due to these factually inaccurate and inconsistent reports. Continued non-compliance will be considered willful violation of the FCRA, and I reserve the right to pursue all available remedies including legal action under 15 U.S.C. 1681n and 1681o. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation