Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : XXXX Email : XXXX [ Date ] To : Consumer Financial Protection Bureau ( CFPB ) Equifax Information Services, LLC TransUnion, LLC Experian Information Solutions , Inc. 
Re : Formal Dispute of All Negative Items Reported Across Equifax, TransUnion, and Experian & Request for Full Reinvestigation Under FCRA 602, 607, 609, 611 To Whom It May Concern : I am submitting this formal dispute regarding the accuracy, legality, and completeness of all negative accounts and all collection accounts listed on my XXXX  XXXX Report dated XX/XX/year>. Every disputed item below appears on XXXX or more of the XXXX bureausEquifax, TransUnion, and XXXX conflicting dates, balances, statuses, duplicate entries, mismatched reporting fields, or unverifiable data. 
These reporting errors have caused direct harm to my creditworthiness, financial stability, and access to housing, transportation, and essential services. 
I am requiring full documentation and verification for each item listed below. If you can not verify an item with proper legally required evidence, it must be deleted immediately. 
ALL NEGATIVE ACCOUNTS BEING DISPUTED ( EQUIFAX TRANSUNION EXPERIAN ) XXXX. XXXX XXXX XXXX bureaus ) XXXX. XXXX XXXX XXXX ( multiple entries on all bureaus ) XXXX. XXXX XXXX ( XXXX entries, XXXX ) XXXX. XXXX ( all bureaus ) XXXX. XXXX  XXXX XXXX ( all bureaus ) XXXX. XXXX XXXX XXXX bureaus ) XXXX. XXXX XXXX XXXX XXXX XXXX ( all bureaus ) XXXX. XXXX Mortgage ( all bureaus ) XXXX. XXXX XXXX XXXX bureaus ) XXXX. XXXX XXXX ( XXXX derogatory entries on all bureaus ) ALL COLLECTION ACCOUNTS BEING DISPUTED ( EQUIFAX TRANSUNION EXPERIAN ) XXXX. XXXX XXXX XXXX ; XXXX  XXXX. XXXX XXXX XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX ( multiple entries across all bureaus ) These accounts contain inconsistent reporting between bureaus, including conflicting dates of last activity, incorrect balances, inaccurate statuses, and possible duplicate placements, violating FCRA 607 ( b ).

LEGAL BASIS FOR THIS DISPUTE FCRA 609 I request full verification, including original signed contracts, billing statements, payment histories, charge-off documentation, and proof of assignment for any collection.

FCRA 607 ( b ) The bureaus are required to ensure maximum possible accuracy ; inconsistencies violate this requirement.

FCRA 611 You must conduct a full reinvestigation within XXXX  days.

FCRA 602 Inaccurate reporting is harming my financial reputation and stability. 
REQUESTED ACTIONS XXXX. Reinvestigate every disputed item listed in this letter. 
XXXX. Provide full documentation for each item from the original creditornot screenshots or internal records. 
XXXX. Delete any item that can not be verified with legally sufficient documentation. 
XXXX. Correct all inconsistent, duplicated, or incomplete account data. 
XXXX. Provide me with updated credit reports from all three bureaus after reinvestigation. 
CFPB COMPLAINT COMPONENT Due to repeated harm, inconsistent reporting, and lack of proper verification, I request the CFPB to investigate the bureaus and furnishers for : Failure to maintain accurate reporting Duplicate and conflicting accounts Improper collection reporting Negligent reinvestigation practices These inaccuracies have caused substantial hardship, and I am requesting immediate correction. 
Respectfully, XXXX XXXX XXXX ( Signature )

Company response to consumer: Closed with explanation