Consumer complaint received 2025-06-25 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 XXXXXXXX XXXX XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX TO : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX RE : FORMAL DISPUTE OF INACCURATE CREDIT REPORTING Account Name : XXXX Partial Account Numbers : XXXX & XXXX Original Creditor : XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the above-referenced account listed on my credit report. Upon careful review, I have identified multiple, significant discrepancies and inconsistent reporting across the three credit reporting agencies TransUnion, Equifax, and Experian. These errors render the account inaccurate, unverifiable, and misleading as defined under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

1. DATE OF LAST ACTIVITY : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX 2. ACCOUNT NUMBER : TransUnion : XXXX Equifax : XXXX Experian : XXXX XXXX. ORIGINAL CREDITOR : TransUnion : XXXX Credit Card Equifax : XXXX Experian : XXXX  4. TERM / SOURCE TYPE : TransUnion : XXXX Equifax : Blank Experian : Provided 5. STATUS : TransUnion : Open Equifax : Open Experian : Charged Off 6. MOST RECENT ADVERSE RATING : TransUnion : Collection / Charge Off Equifax : No Data Available Experian : Collection / Charge Off 7. COMMENTS : TransUnion : Placed for Collection Equifax : Placed for Collection Experian : Unpaid Balance Reported as a Loss by XXXX XXXX 8. PAYMENT HISTORY : TransUnion : No history available Equifax : 100 % On-Time Payments Experian : 0 % On-Time Payments These contradictory and conflicting data points are not only misleading but violate your duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ) and to conduct a reasonable reinvestigation under 15 U.S.C. 1681i ( a ). 

Furthermore, as ruled in XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ), credit reporting agencies must do more than passively rely on data from furnishers when confronted with clear inconsistencies they are obligated to perform independent and meaningful investigations. 

ACTION REQUESTED : I am demanding the following under my rights granted by the FCRA : Immediate deletion of the XXXXXXXX XXXX XXXX  account from all three credit bureaus due to its gross inconsistencies, unverifiable data, and inaccurate reporting. 
If the account is verified as accurate, provide the complete and detailed XXXXod of Verification ( MOV ) as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) including the name, contact information, and method used to verify the data.

Remove the account if furnisher data can not be confirmed across all bureaus with
consistency in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Attached are the following for verification : Copy of my state-issued ID W-2 for proof of address and employment Screenshot highlighting inconsistent reporting across all three bureaus Please complete your investigation within 30 days as mandated. Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and possible legal action for damages resulting from your willful noncompliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief