Consumer complaint received 2025-08-17 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Reporting Capital XXXX XXXX To Whom It May Concern : This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding materially inaccurate and inconsistent reporting of the above-referenced XXXX XXXXXXXX account. 

Under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of credit reports. The XXXX XXXX account, as reported by Equifax and Experian, contains contradictions that are misleading, incomplete, and unlawful.

Disputes submitted through CFPB.gov are to be treated no differently than direct disputes under 15 U.S.C. 1681s-2 ( a ) ( 8 ). 

Disputed Inconsistencies XXXX. Date of Last Activity TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX In Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court held that CRAs must do more than accept a furnishers word ; they must conduct a reasonable reinvestigation. Reporting conflicting dates is misleading and unlawful under 1681e ( b ). 

2. 30/60/90 Days Late TransUnion : XXXX Equifax : XX/XX/XXXX Experian : XXXX In Dennis v. BEH-1, LLC , 520 F.3d 1066 ( 9th Cir. 2008 ), inconsistent and contradictory information was found to be materially misleading. These variations distort the accounts payment history and must be corrected or deleted.

3. High Balance TransUnion & Equifax : {$1500.00} Experian : {$0.00} Reporting a {$0.00} balance when other bureaus report a verifiable figure misrepresents the account and violates 1681e ( b ).

4. High Credit TransUnion & Experian : {$1000.00} Equifax : {$0.00} Courts have recognized that materially misleading information, even if t
echnically true, violates the FCRA. See Saunders v. Branch Banking & Trust Co., 526 F.3d 142 ( 4th Cir. 2008 ).

5. Payment History TransUnion : No history available Equifax : 79 % on-time payments Experian : 12 % on-time payments These starkly different percentages can not simultaneously be true and present an inaccurate picture to potential creditors. This violates FTC guidance on the requirement for credit reporting agencies to report complete and accurate data.

Legal Demands Reinvestigation : Conduct a complete reinvestigation into these inconsistencies pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) within 30 days.

Correction or Deletion : If you can not verify the accuracy with original source documentation, the account must be corrected or deleted under 1681i ( a ) ( 5 ) ( A ).

Method of Verification ( MOV ) : If verified as accurate, provide a Method of Verification within 15 days of verification as required by 1681i ( a ) ( 6 ) ( B ) ( iii ), including : The furnishers name, address, and phone number ; All documents relied upon ; An explanation of how conflicting data was reconciled.

No Re-Aging or Reinsertion : Any attempt to re-age or reinsert unverifiable information without proper certification under 1681i ( a ) ( 5 ) ( B ) will be deemed a willful violation.

Preservation of Rights If these violations persist, I will escalate this matter by : Filing additional complaints with the CFPB, FTC, and state regulators, and Pursuing litigation under 1681n ( willful noncompliance ) and 1681o ( negligent noncompliance ) for actual, statutory, and punitive damages, plus attorneys fees. 

Respectfully, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation