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 XXXX : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute XXXX XXXX Account # XXXX Dispute Type : Inaccurate and Inconsistent Reporting To Whom It May Concern : This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ) regarding the XXXX XXXX account listed above. The information you are reporting is factually inaccurate and inconsistent across the three major credit bureaus. 

Documented Inconsistencies : 1. Balance : XXXX  {$1400.00} / Credit Limit {$0.00} XXXX {$1400.00} / Credit Limit {$1000.00} XXXX  {$1400.00} / Credit Limit {$1000.00} XXXX. Date of Last Activity : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Account Type : XXXX Credit Card XXXX XXXX XXXX Credit Card XXXX. Remarks : XXXX  Blank XXXX Charged Off Account XXXX  Unpaid balance reported as a loss by... 

XXXX. XXXX XX/XX/XXXX Late : XXXX XX/XX/XXXX ( factually impossible ) XXXX  XXXX ( factually impossible ) XXXX  XXXX XXXX. High Balance : XXXX {$1400.00} XXXX {$1000.00} XXXX  {$0.00} XXXX. High Credit : XXXX {$0.00} XXXX {$0.00} XXXX  {$1000.00} 7. Payment History : XXXX No history available EQ 79 % of payments made on time XXXX  16 % of payments made on time Legal Basis for Dispute : FCRA 602 ( 15 U.S.C. 1681 ) All reporting must be fair, accurate, and equitable.

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

FCRA 611 ( 15 U.S.C. 1681i ) Requires reinvestigation of disputed information and deletion if unverifiable. 
Cushman v. TransUnion Corp., 115 F.3d 220 ( XXXXXXXX XXXX XXXXXXXX ) CRA must conduct a reasonable investigation and not simply rely on the furnisher. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX. XXXX ) Contradictory reporting violates the FCRAs accuracy requirements. 

Additional Requirements & CFPB Clarification : This dispute is submitted via CFPB.gov and is subject to the same FCRA obligations as a direct dispute. Per FCRA 611 ( a ), CRAs must reinvestigate and respond within 30 days regardless of submission channel.

A CFPB-submitted dispute must be handled no differently than a direct dispute ; failure to do so constitutes a violation of the FCRA. 

If you verify this account as accurate, I formally demand a Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), including : Name, address, and contact information of the furnisher.

Copies of all records relied upon in the reinvestigation. 
A full description of the investigation process used. 

Do not send a generic response. A one-line verified notice without documentation is noncompliant per Cushman v. TransUnion and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
Demand for Resolution : Given the extensive inconsistencies and factual impossibilities in how this account is reported, I demand immediate deletion of this account from my credit file unless verifiable, accurate documentation is provided within 30 days as required by law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief