Consumer complaint received 2025-08-18 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 XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX DOB : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC, P.O. XXXX XXXX, XXXX, PA XXXX Experian Information Solutions , Inc., XXXX. XXXX XXXX, XXXX, TX XXXX Equifax Information Services, LLC, XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX Account Inconsistencies Account in Dispute XXXX XXXX XXXX | TransUnion & Experian # XXXX | Equifax # XXXX Dear TransUnion, Experian, and Equifax, I am formally disputing the accuracy of the XXXX XXXX  account being reported on my credit files. The account contains materially inconsistent, contradictory, and unverifiable information across your bureaus, in direct violation of the Fair Credit Reporting Act ( FCRA ) and my consumer rights under federal law. 

1. Documented Inconsistencies Account Numbers : TransUnion & Experian : XXXX Equifax : XXXX Inconsistent identifiers violate FCRA 607 ( b ), which requires accuracy. 

Last Activity : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX Mutually exclusive dates can not all be accurate. 

Original Creditor : TransUnion & Experian : XXXXXXXX XXXX Equifax : Blank Failure to identify a creditor violates FCRA accuracy and completeness requirements. 

Term/Source/Type : All three bureaus : Blank Missing and incomplete data is noncompliant with FCRA 607 ( b ).

Status : TransUnion & Experian : Charge-off Equifax : Open A single account can not be simultaneously charged off and open. 

Most Recent Adverse Rating : TransUnion & Experian : Collection/Charge-off Equifax : No Data Available Conflicts demonstrate unreliable reporting. 

Payment History : TransUnion & Experian : No history available Equifax : 100 % of payments on time Impossible contradictions and factually false reporting. 

2. Legal Basis FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : CRAs must ensure maximum possible accuracy. Contradictory reporting violates this standard. 

FCRA 611 ( a ) ( 1 ) ( A ) : CRAs must reinvestigate disputes within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) : If data can not be verified, it must be promptly deleted.

FCRA 623 ( a ) ( 8 ) : Disputes submitted via CFPB.gov are legally equivalent to direct disputes ; furnishers and CRAs are bound by identical obligations. 

XXXX XXXX : XXXX v. TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) CRAs must conduct a reasonable investigation beyond parroting furnishers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX XXXX. XXXX ) XXXX contradictions constitute inaccuracies. 

FTC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) Misleading reporting violates FCRA just as much as false reporting. 

3. Method of Verification Request If you claim this account is accurate, I hereby invoke my right to a Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). Within 15 days of verification, provide : The name, address, and phone number of the furnisher who verified the account. 

The method of reinvestigation used ( manual, electronic, or automated ). 

Copies of original documents relied upon ( contract, account statements, payment records ). 

The date and identity of the verifying party. 

A clear explanation of how contradictory bureau reporting can be considered accurate.

4. CFPB Disputes Governed Equally Be advised : under FCRA 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ] and 611 ( a ) ( 1 ) ( A ), disputes submitted through CFPB.gov are legally identical to direct bureau disputes. You are required to reinvestigate within 30 days and delete unverifiable information.

5. Action Required Within 30 Days : Delete this account if it can not be fully verified with consistent, accurate data.

If Verified : Provide a full Method of Verification within 15 days. 

6. Consequences for Noncompliance If you fail to comply, I will : File formal complaints with the CFPB, FTC, and New York Attorney General.

Pursue civil litigation under 15 U.S.C. 1681n and 1681o, seeking statutory damages, actual damages, attorneys fees, and injunctive relief. 

I reserve all legal rights without limitation. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation