Consumer complaint received 2025-05-13 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:
Subject : Formal Credit Report Dispute XXXX  XXXX Charge-Off | Account # XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX Address : XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX SSN : XXXX Phone : XXXX To Whom It May Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S. Code 1681i ) regarding the XXXX XXXX account # XXXX, which is being reported inaccurately by all three major credit bureaus : TransUnion, Equifax, and Experian XXXX 

After reviewing my credit reports, I have identified multiple inconsistencies and factual errors that raise serious concerns about the accuracy, completeness, and reliability of this account as reported. I am exercising my rights under the FCRA to request a full reinvestigation. 

Specific Issues : Credit Utilization Reporting Inconsistencies : TransUnion and Experian report the account as 41 % utilization based on a {$120.00} balance and a {$300.00} limit. 
Equifax reports a balance of {$120.00} but lists a {$0.00} credit limit, making the utilization calculation invalid and misleading. 

This violates FCRA 1681e ( b ), which requires maximum possible accuracy. 

Inconsistent Last Activity Dates : TransUnion and Experian list the last activity date as XX/XX/XXXX. 
Equifax reports XX/XX/XXXX, XXXX dates directly conflict, which materially impacts how this account is evaluated under credit scoring models and statutes of limitations. 

Blank Account Type ( Equifax ) : Equifax has failed to identify the account type entirely.This omission is a clear reporting failure and a violation of FCRA 1681g and 1681s-2, which require the complete and accurate furnishing of account information. 

Contradictory Remarks and Status Comments : Experian reports : Unpaid balance reported as a loss by credit grantor. Account previously in dispute now resolved reported by subscriber. 
Equifax only states : Charged-off account. 
TransUnion does not list any remarks.These inconsistent remarks across bureaus create a confused and unverifiable narrative around the account. 

Conflicting Delinquency History : TransUnion : XXXX ( XXXX-day lates ) Equifax : XX/XX/XXXX Experian : XXXX All three credit bureaus report drastically different late payment histories, which is not possible for a single account. This is a direct breach of FCRA 1681e ( b ). 

Contradictory Payment History Reporting : TransUnion : No history available. 
Equifax : Youve made 100 % of payments for this account on time. 
Experian : Youve made 0 % of payments for this account on time. 

These mutually exclusive statements can not all be true and demonstrate data integrity failures. 

High Balance Variance : TransUnion : {$560.00} Experian : {$300.00} Equifax : {$120.00} These figures differ significantly and affect the perception of risk and usage. Only one can be correct. 

Blank Fields : The account is missing critical details across all bureaus, such as " Term, '' " Source, '' and " Type. '' These are essential reporting elements, and their absence makes the data incomplete and in violation of FCRA 1681e ( b ). 

Resolution Requested : Due to the numerous, material inaccuracies and contradictions, I am formally requesting that the account be : Permanently deleted from all three of my credit reports ( TransUnion, Equifax, and Experian ), OR Fully verified with original source documentation from XXXX  XXXX validating the accuracy of each individual data point being reported. 

Additionally, I am requesting that you directly address the specific issues I have identified above in your reinvestigation process. A generic e-OSCAR verified as accurate response will not suffice and will be considered non-responsive under FCRA. I expect a detailed explanation and the method of verification used for each disputed element. 

Should the account be verified as accurate despite these major inconsistencies, I will request a Method of Verification as outlined in FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) and will escalate the matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the XXXX  Attorney General, and consider seeking legal remedies for continued misreporting. 

I respectfully request that this reinvestigation be conducted promptly in accordance with FCRA 1681i ( a ) ( 1 ) ( A ) and that I receive a written response within 30 days. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with non-monetary relief