Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX Last XXXX ( XXXX ) : XXXX Date : XX/XX/XXXX To : Experian XXXXnformation Solutions , Inc.

Equifax Information Services LLC TransUnion LLC Re : Formal Dispute Portfolio Recovery Account Discrepancies Account Numbers : TransUnion : XXXX Equifax : XXXX Experian : XXXX To Whom It May Concern, I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ) concerning the above-referenced accounts reported by Portfolio Recovery Associates and related entities . The information reported is inconsistent, inaccurate, and incomplete across all three credit reporting agencies, violating multiple provisions of the FCRA. 

Reporting Inconsistencies : XXXX. Last Activity Date : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX XXXX. Original Creditor : TransUnion & Experian : XXXX XXXX XXXX XXXXXXXX, XXXX. 
Equifax : Blank XXXXAccount Status : TransUnion & Equifax : Open Experian : Charge-off XXXXMost Recent Adverse Rating : TransUnion & Experian : Collection/Charge-off Equifax : No data available XXXXPayment History : TransUnion : No history available Equifax & Experian : XXXX XXXX  on-time payments These conflicting data points create inaccurate , misleading, and unverifiable credit information, violating the requirement under FCRA 1681e ( b ) that consumer reporting agencies employ reasonable procedures to assure maximum possible accuracy.

Legal Grounds for Dispute and Removal : FCRA 1681i ( a ) ( XXXX ) ( A ) : Requires a reasonable reinvestigation of disputed information and deletion or correction of unverifiable or inaccurate data within XXXX  days of dispute receipt. 
FCRA 1681e ( b ) : Mandates maximum possible accuracy ; conflicting information across bureaus is a direct violation.

Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) : Credit reporting agencies must conduct more than superficial investigations and can not rely solely on furnisher confirmation when inconsistencies exist.

Richardson v. Equifax ( 2021 ) : Conflicting account information across bureaus supports removal due to inaccuracy.

Request for Method of Verification ( MOV ) : If your bureau verifies this account as accurate, I request the Method of Verification under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) be provided to me within XXXX  days of verification, including : Name, address, and contact information of the party who verified the data. 
The method used to verify the account. 
Copies or descriptions of documents relied upon for verification. 

CFPB Dispute Equivalence Notice : Please note disputes filed via CFPB.gov are governed by the same legal standards as direct disputes filed with credit bureaus. Per 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) and 1681s-2 ( b ), you are legally obligated to conduct timely reinvestigations and notify furnishers regardless of dispute origin, and respond within the XXXX timeframe. 

Demand : Due to the above violations, if you can not verify the accuracy of this account with consistent and documented evidence, you are required to delete this account from my credit report immediately. Failure to comply will result in complaints to regulatory authorities and pursuit of all legal remedies under the FCRA. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief