Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute Request for Deletion of Inaccurate & Unverifiable Account ( XXXX ) To Whom It May Concern, This letter is a formal dispute regarding the reporting of the account XXXX. The information on my TransUnion credit file is inconsistent when compared to the other two credit bureaus and therefore unverifiable under federal law. Below are the specific discrepancies identified : Discrepancies Identified : TransUnion reports Date of Last Activity as XX/XX/XXXX, while Experian lists XX/XX/XXXX and Equifax lists XX/XX/XXXX. 
TransUnion shows Date Reported as XX/XX/XXXX, while Experian reports XX/XX/XXXX and Equifax reports XX/XX/XXXX. 
TransUnion marks the account Charged off as bad debt / Profit and loss write-off, while Experian says Unpaid balance reported as a loss, and Equifax reports Charged off account / Amount in high credit original charge-off amount.

TransUnion lists Closed Date as XX/XX/XXXX, while the other two CRAs show no closed date.

Payment history is entirely missing on TransUnion but listed as multiple charge-offs on Experian and Equifax.

Violations of Federal Law : FCRA 607 ( b ) : Failure to maintain maximum possible accuracy.

FCRA 611 ( a ) : Duty to delete unverifiable or inaccurate data within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( a ) ( 5 ) : Prohibits inaccurate furnishing and re-aging of accounts.

FDCPA 807 ( 2 ) ( A ) & ( 8 ) : Forbids misleading or false representation of debt or charge-off status.

Metro 2 Standards : Require uniform and verifiable data reporting across all CRAs.

My Demand : I demand the immediate deletion of the XXXX account from my credit report. The account data is inconsistent across the credit bureaus, rendering it unverifiable and inaccurate under FCRA 611 ( a ). Since this account is already closed and charged off, deletionnot correctionis the only compliant remedy.

Failure to comply will result in formal complaints filed with the CFPB, FTC, and the Texas Attorney General for willful violations of my consumer rights. 



To : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Removal of Unverifiable Account XXXX Dear XXXX Credit Reporting Department , I am writing to formally dispute and request the deletion of an unverifiable account reported by XXXX from my XXXX credit report. The information being reported contains multiple inaccuracies and can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ). 
Account Details : Creditor : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2200.00} High Balance : {$2200.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Account Status : Closed Charged Off / Collection Payment Status : Charged off as bad debt Credit Limit : {$2000.00} Closed Date : XX/XX/XXXX Account Rating : Derogatory This account is being inaccurately reported as a charge-off, yet there are inconsistencies across bureaus : TransUnion : Reports {$2200.00} charged off as bad debt ( profit and loss write-off ).

Experian : Reports unpaid balance reported as a loss by the credit grantor.

Equifax : Reports charged-off account, high credit original charge-off amount {$2200.00}.

The dates and balances differ across all three agencies, demonstrating unverifiable reporting. Under FCRA Section 611 ( 15 U.S.C. 1681i ), consumer reporting agencies are required to ensure that all reported information is accurate and verifiable. Since the information provided by XXXX is inconsistent and unverifiable, I request immediate deletion of this account from my XXXX report. 
Furthermore, FCRA Section 623 ( 15 U.S.C. 1681s-2 ) requires furnishers of credit information to provide only accurate and complete data. As the reporting entity has failed to maintain accuracy and consistency, XXXX must remove this unverifiable account to comply with federal law.

Please complete your reinvestigation within 30 days of receiving this letter, as required by law, and confirm the deletion in writing. Should the unverifiable information remain, I will be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing my rights under FCRA Sections 616 and 617 ( 15 U.S.C. 1681n, 1681o ) for non-compliance.

Thank you for your prompt attention to this matter. I look forward to written confirmation that this unverifiable account has been deleted from my credit report. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX Email : XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation