Consumer complaint received 2025-09-14 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX Social ( Last Four ) : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute XXXX Inaccurate Late Payments and Reporting Errors Account in Dispute : XXXX Partial Account No . : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern : I am disputing the accuracy and completeness of the XXXX account currently reporting on my credit file. This account is still open and active, yet it contains several inconsistencies, inaccuracies, incomplete data, and false late-payment notations. I have * * never been late on this account. * * These errors violate the Fair Credit Reporting Act ( FCRA ) and Regulation V. 

-- - SECTION I SPECIFIC ERRORS BY BUREAU ( Each item must be fully investigated and corrected ; if unverifiable, delete per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) High Balance - TransUnion : {$4000.00} - Experian : {$4000.00} - Equifax : {$1800.00} Last Verified - TransUnion : XX/XX/XXXX - Experian : ( blank ) - Equifax : ( blank ) Date of Last Activity - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Date Reported - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Date Opened - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX Balance Owed - TransUnion : {$1500.00} - Experian : {$1500.00} - Equifax : {$1500.00} Account Status - TransUnion : Open - Experian : Open - Equifax : Closed ( This account is open and active. Please correct to Open. ) Creditor Remarks - TransUnion : ( blank ) - Experian : ( blank )- Equifax : Accounts closed by credit grantor/charge ( This is false and damaging. Please remove this remark. ) Payment Amount - TransUnion : {$56.00} - Experian : {$56.00} - Equifax : {$54.00} Last Payment - TransUnion : XX/XX/XXXX - Experian : XX/XX/XXXX - Equifax : XX/XX/XXXX ( Equifax reports a recent payment but still lists the account as closed, which is contradictory. ) Term Length - All three bureaus : ( blank ) Credit Limit - TransUnion : {$1800.00} - Experian : {$1800.00} - Equifax : {$0.00} Two-Year Payment History ( 30/60/90 ) - TransUnion : 0/0/0 - Experian : 1/0/0 ( I have never been late. Please correct. ) - Equifax : 1/0/0 ( I have never been late. Please correct. ) * * Requested Outcome * * - Remove all inaccurate late-payment notations and report as Pays as Agreed/ Current - Correct all fields to be accurate, complete, and consistent across all bureaus - Correct Equifax to show this account as Open / Current and remove the false remark - If any data can not be verified using original source documentation from the furnisher, delete the unverifiable information as required by 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) -- - SECTION II GOVERNING LAW AND DUTIES * * A. Consumer Reporting Agencies ( CRAs ) * * - 15 U.S.C. 1681e ( b ) : Must follow reasonable procedures to assure maximum possible accuracy - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), ( a ) ( 5 ) ( A ) : Must conduct a reasonable reinvestigation within 30 days and delete unverifiable data - 15 U.S.C. 1681i ( a ) ( 2 ) ( A ) : Must promptly forward all relevant information I provide to the furnisher - 15 U.S.C. 1681i ( a ) ( 6 ) : Must provide written results and an updated report within 5 business days- 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), ( a ) ( 7 ) : If verified as accurate, must provide a Method of Verification ( MOV ) including the name, address, and telephone number of each furnisher contacted, within 15 days of my request - 15 U.S.C. 1681s-2 ( a ) ( 3 ) : Must mark the account in dispute by consumer while under reinvestigation * * B. Furnisher ( XXXX ) * * - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), ( a ) ( 2 ) : May not furnish information known or reasonably believed to be inaccurate ; must correct and update any incomplete or inaccurate data - 15 U.S.C. 1681s-2 ( b ) ( 1 ) : Upon receiving notice of a dispute from a CRA, must conduct a reasonable investigation, review all information from the CRA, and correct/delete inaccurate data - 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) : Must report corrections to all CRAs to which information was furnished * * C. Regulation V ( CFPB ) * * - 12 C.F.R. 1022.42 : Must maintain written policies ensuring accuracy and integrity of furnished information - 12 C.F.R. 1022.43 : Must investigate direct disputes on covered subjects and may not deem them frivolous without proper notice * * D. Guidance and Case Law * * - CFPB Circular 2022-07 ( Nov. 10, 2022 ) : Disputes may not be improperly dismissed as frivolous - Cushman v. Trans Union , 115 F.3d 220 ( 3d Cir. 1997 ) : CRAs must do more than simply parrot the furnisher - Gorman v. Wolpoff & Abramson, 584 F.3d 1147 ( 9th Cir. 2009 ) : Furnishers must correct information that is materially misleading - Saunders v. BB & T, 526 F.3d 142 ( 4th Cir. 2008 ) : Failing to report an account as disputed can be misleading - Seamans v. Temple Univ., 744 F.3d 853 ( 3d Cir. 2014 ) : Accuracy includes completeness ; misleading reporting violates the FCRA -- - SECTION III CFPB SUBMISSIONS If I submit or have submitted this dispute via CFPB.gov, it must still be treated as a direct dispute under 15 U.S.C. 1681s-2 ( a ) ( 8 ) and 12 C.F.R. 1022.43. This does not diminish your obligations. When a CRA notifies a furnisher of a dispute, the furnisher must still conduct a reasonable investigation under 1681s-2 ( b ).

-- - SECTION IV SUPPORTING STATEMENT I have never been late on this account. The contradictory balances, dates, statuses, and false late-payment notations make this reporting inaccurate and misleading. Please correct this account to Pays as Agreed / Current on all bureaus, and update Equifax to show it as open and active.

-- - SECTION V ADDITIONAL RIGHTS & PROTECTIONS- If any portion of this account is deleted or modified, do not reinsert inaccurate data unless it is fully certified as accurate and I receive written notice within 5 days ( 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ) - If the furnisher fails to respond, delete the inaccurate data from my credit file ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) )- This dispute is submitted without waiving any rights or admitting any liability - If violations persist, I reserve the right to pursue legal action for negligent or willful noncompliance under 15 U.S.C. 1681n, 1681o -- - SECTION VI DEADLINES- You must complete your reinvestigation within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) )- If you verify this account as accurate, you must provide the full Method of Verification described above within 15 days of my MOV request ( 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), ( a ) ( 7 ) ) - If found inaccurate or unverifiable, you must delete or correct it and notify all CRAs to which it was furnished ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ; 1681s-2 ( b ) ( 1 ) ( D ) ) -- - Enclosures : Government-issued ID W-2 with current address and full Social Utility bill with current address Highlighted copy of the disputed tradeline showing inconsistencies Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief