Consumer complaint received 2025-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the accuracy, completeness, and legal compliance of the above- referenced account currently appearing on my TransUnion credit report. This letter is written under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

After reviewing my credit files from all three major credit bureausTransUnion, Experian, and EquifaxI have found clear discrepancies and inconsistencies that render this account unreliable and misleading.

Discrepancies Identified Among Bureaus 1. 2. 
3. Date of Activity and Reporting Inconsistencies TransUnion lists the Date Opened as XX/XX/XXXX and Date Last Active as XX/XX/XXXX, while Experian lists the Date Opened as XX/XX/XXXX and Date Last Active as XX/XX/XXXX, and Equifax lists the Date Opened as XX/XX/XXXX and Date Last Active as XX/XX/XXXX. 
These conflicting dates demonstrate that none of the bureaus are reporting in unison, which violates 15 U.S.C. 1681e ( b ) the duty of consumer reporting agencies to assure maximum possible accuracy of information in consumer reports. 
Inconsistent Reporting of Account Status and Comments TransUnion reports : Account information disputed by consumer, meets FCRA requirements. 
Experian reports : Customer disputed account - reported by subscriber. 
Equifax reports : Consumer disputes this account information ; subject has not satisfied debt. 
These differing notations create confusion and imply different outcomes for the same dispute. It is misleading and materially inaccurate to reflect varying 4.

5. 6. 7. interpretations of the same account across bureaus, violating 15 U.S.C . 1681i ( a ) ( 5 ) ( A ), which requires uniform correction or deletion after reinvestigation. 
Improper Classification of Account Type The account is simultaneously listed as a Collection and a Charge-Off across all three bureaus. A charge-off represents a creditors accounting decision, whereas a collection refers to a third partys collection effort. These two statuses can not co-exist for the same tradeline. Such misclassification violates 15 U.S.C. 1681i ( a ) and 1681s-2 ( a ) ( 1 ) ( A ), as the reporting furnisher is responsible for providing accurate, non-contradictory information.

Missing or Incomplete Data Fields Across all three credit bureaus, key data pointssuch as Monthly Payment, Credit Limit, and Payment Historyare missing. Reporting an incomplete profile without sufficient verification is considered misleading and violates 15 U.S.C. 1681e ( b ) and 1681i ( a ), as incomplete or unverifiable information can not be lawfully included in a credit report. 
Failure to Provide Proper Validation or Assignment Proof This account lacks any documentation proving that XXXX has legal standing or ownership of this alleged debt. Without a chain of assignment or contractual evidence, the reporting of this tradeline constitutes a violation under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) and 1681i ( a ) ( 1 ) ( A ), which require furnishers and credit reporting agencies to verify disputed accounts and remove unverifiable data.

Company response to consumer: Closed with explanation