Consumer complaint received 2025-08-14 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 XXXX, NY XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion, Equifax, Experian Re : Formal Dispute XXXX Account # XXXX To Whom It May Concern, I am formally disputing the accuracy and completeness of the above-referenced account under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. This account is currently reporting multiple factual inconsistencies across the XXXX major credit reporting agencies ( CRAs ). These discrepancies render the tradeline unreliable, unverifiable, and materially misleading in violation of FCRA XXXX ( b ) and XXXX. 

Under FCRA XXXX ( a ) ( XXXX ), disputes submitted through XXXX are to be treated no differently than direct disputes made to a CRA. Therefore, you are obligated to conduct a reasonable reinvestigation and delete or correct any inaccurate or unverifiable information. 

Identified Reporting Inconsistencies Last Activity Date TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX These materially inconsistent dates can not all be accurate and violate FCRA XXXX ( b ) ( reasonable procedures to assure maximum possible accuracy ). 

Account Type TransUnion & Experian : Credit Card Equifax : Blank ( no type reported ) Failure to report the same factual account type across XXXX is misleading and violates FTC guidance on completeness. 

Delinquency Counts ( XX/XX/XXXX Days Late ) TransUnion : XXXX Equifax : XXXX Experian : XXXX These discrepancies can not simultaneously be accurate and constitute materially misleading reporting. 

Term Source Type & Term Count All three CRAs : Blank Omission of this information impedes proper credit assessment and violates CFPB reporting standards.

High Balance TransUnion & Equifax : {$660.00} Experian : {$0.00} The conflicting figures show lack of verification.

High Credit TransUnion & Experian : {$500.00} Equifax : {$0.00} Payment History TransUnion : No history available Equifax : 67 % on-time payments Experian : 33 % on-time payments These discrepancies are factually incompatible. 

Legal Basis for Dispute FCRA XXXX ( b ) CRAs must follow reasonable procedures to assure maximum possible accuracy. 

FCRA XXXX ( a ) CRAs must conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information. 

FCRA XXXX ( a ) ( XXXX ) CFPB.gov-filed disputes must be treated with the same obligations as direct disputes. 

Relevant Case XXXX XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) ( reasonable reinvestigation required ) ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) ( inaccurate reporting includes misleading information ). 

Demand for Action Complete reinvestigation of this account. 

Deletion of the tradeline if accurate verification can not be obtained. 

XXXX XXXX of XXXX per FCRA XXXX ( a ) ( XXXX ) ( B ) ( iii ) if verified as accurate. 
( Pursuant to FCRA XXXX ( a ) ( XXXX ) ( B ) ( iii ), if you verify this account as accurate after reinvestigation, you are required to provide me, in writing, the XXXX of XXXX you used to make that determination. This request includes, but is not limited to : The name, mailing address, and telephone number of each furnisher of information you contacted during your reinvestigation. 

The date ( XXXX ) and method ( XXXX ) of contact used to obtain verification from the furnisher ( phone call, electronic transmission, physical mail, etc. ). 

Copies of all correspondence, documents, account records, screen captures, payment history reports, contracts, or other evidence received from the furnisher that you relied upon in verifying the account. 

Identification of any databases, third-party verification services, or internal records used in the reinvestigation, including the source and retrieval date. 

A detailed explanation of how the furnisher confirmed the accuracy of each disputed data point ( e.g., last activity date, payment history, account type, high balance ). 

Please note : a generic statement such as the account was verified by the furnisher is not sufficient and does not satisfy your obligations under XXXX. I expect the complete verification trail and evidence you relied upon in determining that the information is accurate. ) Deadlines XXXX  days from receipt of this dispute to complete reinvestigation. 

XXXX  days from verification to provide MOV documentation. 

Preservation of Rights If you fail to comply with these obligations or continue to report inaccurate information, I reserve all rights to pursue legal action under the FCRA, including recovery of statutory damages, actual damages, attorneys fees, and court costs. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief