Consumer complaint received 2025-09-05 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:
This dispute was originally submitted under the wrong consumers personal information ( XXXX XXXX XXXX ) by mistake. That filing should be disregarded. The correct consumer information for this dispute is : Name : XXXX XXXX DOB : XX/XX/XXXX SSN ( last 4 ) : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX Email : XXXX Phone : XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Inaccurate, Incomplete, and Inconsistent Reporting XXXX XXXX ( Account No. XXXX ) Dear Credit Bureau Representative, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. concerning the XXXX XXXX account listed above. Reporting across the three major credit bureaus contains inconsistencies, inaccuracies, and incompleteness that violate FCRA accuracy requirements. 

Documented Inconsistencies 1. Date of Last Activity TransUnion : XX/XX/XXXX ( re-aged debt I have never made any activity in XXXX ) Equifax & Experian : XX/XX/XXXX ( re-aged debt also factually impossible ) 2. Term Source Type All 3 Bureaus : Blank 3. Account Status TransUnion : Open Equifax : Refinanced Experian : Charge-off 4. Most Recent Adverse Rating TransUnion : Collection/Charge-off Equifax : No data available Experian : Collection/Charge-off ; Unpaid balance reported as a loss by credit grantor 5. Payment History All 3 Bureaus : No history is available XXXX Disputes Carry the Same Legal Weight as Direct Disputes Pursuant to FCRA 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ], disputes submitted through the XXXX portal must be treated with the same legal effect and obligations as disputes submitted directly to a consumer reporting agency or furnisher.

This means the bureaus can not downgrade, delay, or treat CFPB.gov disputes differently. All obligations under FCRA 607 ( b ), 611, and 623 apply equally, including the duty to delete unverifiable or inconsistent information.

Applicable Law, Guidance, and Case Law FCRA 607 ( b ) : Bureaus must ensure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) : Reinvestigation must be completed within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) : If information can not be verified, it must be deleted.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : If verified, CRAs must provide Method of Verification ( M.O.V. ) including : Furnishers name Furnishers address Furnishers telephone number Exact records relied upon in verification FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers can not report information they know or should know is inaccurate.

CFPB Bulletin XXXX  : CRAs must conduct reasonable investigations and not rely solely on furnishers.

FTC Staff Opinion Letter ( XXXX, XXXX ) : Unverifiable or contradictory information must be deleted. 
XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : CRAs must perform independent investigations. 
XXXX v. Equifax, XXXX XXXX XXXX : Failure to meet FCRA timelines requires deletion. 

Demand for Action Immediate deletion or correction of the XXXX XXXX account across all three credit bureaus due to re-aging of debt, irreconcilable inconsistencies, and missing required data fields. 
If the account is verified as accurate, provide the Method of Verification ( M.O.V. ) within 15 days of the verification notice, including all items required by law.

Deadlines 30 days : Complete reinvestigation and provide written results.

15 days : Provide M.O.V. if verified.

Preservation of Rights Failure to comply will result in escalation to the CFPB, FTC, and private legal action for statutory damages under FCRA 616617. This letter serves as formal notice of preservation of rights. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief