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 XXXXXXXX XXXX  XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX Re XXXX Formal Dispute XXXX XXXX XXXX Account XXXX XXXX Dispute Type : Inaccurate Late Payment Reporting & Status Request for Correction to Paid as Agreed To Whom It May Concern : This is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) concerning the XXXX XXXX XXXX account listed above. I am not disputing the account itself but rather the inaccurate late payment reporting and inconsistent account details across the three major credit bureaus.

Documented Inconsistencies : 1. Account Status : TU Charge Off EQ Open EX Open 2. Date of Last Activity : TU XX/XX/XXXX EQ XX/XX/XXXX EX XX/XX/XXXX XXXX. Remarks : TU Full Termination / Balance Owing EQ Auto EX This is an account in good standing AND Full Termination / 4.Balance Owing Times 30/60/90 Days Late : TU 0/0/0 EQ 1/1/7 ( factually impossible ) EX 1/0/0 I have never been late on this account ; this is inaccurate reporting. 

5. Months Reviewed : TU 48 EQ 95 EX 97 Legal Basis for Dispute : FCRA 602 ( 15 U.S.C. 1681 ) Mandates fair and accurate credit reporting.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) Requires CRAs to follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) Requires reinvestigation and correction/deletion if the information can not be verified.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) Method of Verification ( MOV ) must be provided within 15 days after verification, if requested. 

Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) CRAs must conduct a reasonable investigation and not simply parrot the furnishers response.

Richardson v. Fleet Bank, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) Contradictory and inconsistent reporting violates the FCRAs accuracy requirements.

Additional Requirements & CFPB Clarification : This dispute is submitted via CFPB.gov and is governed by the same FCRA laws as a direct dispute. Per FCRA 611 ( a ), credit bureaus must treat CFPB-submitted disputes with identical legal obligations.

You have 30 days from receipt to complete your investigation under FCRA law. 

If this account is verified as accurate, I am requesting the Method of Verification per FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) within 15 days after your verification.

The MOV must include : The name, address, and contact information of the furnisher.

Copies of all records used in your reinvestigation. 
A detailed description of the investigation process used. 
Do not provide a generic response. A vague verified without documentation violates both Cushman v. TransUnion and Stevenson v. TRW Inc., 987 F.2d 288 ( 5th Cir. XXXX ).

Demand for Resolution : I have never been late on this account. The late payment data and status discrepancies are inaccurate. I demand correction of this account to reflect Paid as Agreed with no late payments reported. If you can not verify with original creditor documentation, remove the inaccurate payment history entirely. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief