Consumer complaint received 2025-06-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the information being reported on my credit file concerning the account listed as XXXX XXXX XXXX, account number XXXX. After reviewing all three credit bureau reports, I have found numerous and material discrepancies that violate the Fair Credit Reporting Act ( FCRA ), including 1681e ( b ), 1681i, and 623 ( a ) ( 1 ) ( A ). 

Inconsistencies Identified Account Status : TransUnion : Charge Off Experian : Charge Off Equifax : Open This is a major conflict. An account can not be both charged off and open simultaneously. Reporting as " open '' while simultaneously " charged off '' is misleading and inaccurate. 

Last Activity Date : TransUnion & Experian : XX/XX/XXXXXXXX  Equifax : XX/XX/XXXXXXXX  A six-month discrepancy directly affects scoring algorithms and collection timelines. 

Remarks : TransUnion : Blank Equifax : Consumer Disputes This Account Information Experian : Unpaid Balance Reported as a Loss by XXXX XXXX ; Account Information Disputed by Consumer Remarks are inconsistent and Experians entry inaccurately suggests consumer confirmation of default while the account remains disputed. 

Delinquency History 30/60/90 Days Late : TransUnion : XXXX Equifax : XXXX Experian : XXXX Payment performance should not vary across bureaus. TransUnion reports no late history ; Equifax and Experian show major delinquencies. 

Months Reviewed : TransUnion : XXXX Equifax : XXXX Experian : XXXX If TransUnion has no monthly data, it can not accurately report delinquency or payment reliability. 

High Balance : TransUnion : {$21000.00} Equifax : {$22000.00} Experian : {$21000.00} Equifax reports an outlier balance. This mismatch must be verified or corrected. 

Payment History Summary : TransUnion : Reports history but does not state on-time payment percentage Equifax : 88 % on-time Experian : 4 % on-time This is an extremely broad range ( 88 % vs. 4 % ), raising serious accuracy concerns. A consumer can not simultaneously be mostly on time and mostly delinquent. 

Applicable FCRA Laws Supporting This Dispute FCRA 1681e ( b ) : Credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Information furnishers may not report data known or reasonably believed to be inaccurate.

FCRA 1681i ( a ) ( 1 ) ( A ) : Requires credit bureaus to reinvestigate any item disputed by a consumer and delete unverifiable information.

FCRA 1681g ( a ) : Consumers have the right to complete information about the status and history of any tradeline.

Supporting Case Law Richardson v. Equifax ( XXXX XXXX ) : Conflicting data across bureaus constitutes inaccuracy under FCRA. 

Cushman v. TransUnion Corp., XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : A superficial or incomplete reinvestigation violates FCRA obligations. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : Even technically true data may be legally inaccurate if presented in a misleading way. 

Requested Action Remove this account from my credit reports due to irreconcilable inconsistencies across all three bureaus.

If you verify the account as accurate, provide the Method of Verification ( MOV ) per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), including : Name of the party who verified it Specific documentation used Date of verification Send all reinvestigation results to me in writing within 30 calendar days, as required by law.

If you fail to properly reinvestigate and correct or delete this inaccurate account, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and may pursue legal action under FCRA 1681n and 1681o for damages.

Attached is a copy of my passport for proof of identity. 
Attached is a copy of my utility for proof of address Highlighted screenshot of inconsistencies. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief