Consumer complaint received 2025-08-15 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, NY XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Equifax Information Services LLC XXXX. XXXX  XXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute of Inaccurate & Inconsistent Reporting XXXX XXXX XXXX  ( Acct # XXXX ) To Whom It May Concern : This dispute is filed pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( a ) ( 8 ), and is being submitted via XXXX. Under 623 ( a ) ( 8 ), disputes submitted through the CFPB carry the same legal obligations as direct disputes and must be investigated with equal diligence. 

The XXXX XXXX XXXX account listed above contains material inconsistencies across TransUnion, Equifax, and Experian. These discrepancies violate FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requiring maximum possible accuracy, as well as 611 ( a ) ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ) requiring reasonable reinvestigation when information is disputed.

Documented Inconsistencies Date of Last Activity TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX Inconsistent dates materially affect account aging and statute of limitations tracking. See XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) conflicting dates indicate unreliable reporting. 

Original Creditor TransUnion : XXXX XXXX XXXX XXXX Equifax : Blank Experian : XXXX XXXX XXXX XXXX FTC Staff Commentary confirms that omission or conflict in original creditor identification requires correction or deletion. 

Term / Source / Type All three bureaus : Blank Failure to report complete data violates 607 ( b ) and CFPB Bulletin XXXX  ( accuracy in consumer reporting ). 

Status TransUnion : Open Equifax : Open Experian : Charge-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) inconsistent status reporting is misleading and violates accuracy standards. 

Most Recent Adverse Rating TransUnion : Collection/Charge-off Equifax : No data available Experian : Collection/Charge-off Payment History TransUnion : No history available Equifax : 100 % on-time payments Experian : No history available Contradictory payment history can not be simultaneously accurate see XXXX XXXX TransUnion, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

Required Actions Full Reinvestigation under 1681i ( a ) ( 1 ) ( A ) with the furnisher ( XXXX XXXX XXXX ) using original source documentation. 
Deletion of the account from all consumer reports if the discrepancies can not be reconciled with original, verifiable evidence. 
Method of Verification ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ) must be provided within 15 days if the account is verified, including : Name, address, and phone number of the furnisher ; Specific records relied upon ; How those records were obtained and authenticated.

Treat this CFPB.gov-submitted dispute as a direct dispute under 623 ( a ) ( 8 ).

Deadlines 30 Days : Complete reinvestigation and issue results ( 1681i ( a ) ( 1 ) ( A ) ).

15 Days : Provide full Method of Verification if verified ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

Any post-deadline modifications will be considered a willful violation under 1681n.

Preservation of Rights If these violations continue, I reserve all rights to file formal complaints with the CFPB, FTC, and my State Attorney General, and to initiate legal proceedings seeking damages under 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation