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, NY XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion LLC, XXXX XXXXXXXX XXXX, XXXX, PA XXXX Experian XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Reporting Demand for Deletion and/or Method of Verification Under the FCRA Account in Dispute : XXXX XXXX XXXXXXXX ( various account numbers reported inconsistently ) Dear TransUnion, Experian, and Equifax, I am formally disputing the accuracy and completeness of the above-referenced XXXX XXXX XXXXXXXX account being reported by your agencies. As outlined below, your files contain materially inconsistent and contradictory data, in direct violation of the Fair Credit Reporting Act ( FCRA ), the Federal Trade Commission ( FTC ) Staff Guidelines, and Consumer Financial Protection Bureau ( CFPB ) guidance. 

Under FCRA 602 ( A ) and 607 ( b ), you are required to maintain and report only information that achieves the maximum possible accuracy. Internal contradictions between your reporting bureaus can not simultaneously be accurate and therefore render the reporting unlawful. 

XXXX. Documented Inconsistencies Account Numbers Reported : TransUnion XXXX Experian : XXXX ( masked ) Equifax : XXXX Contradictory account identifiers violate FCRA 607 ( b ). 

Last Activity : TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Different last activity dates breach accuracy requirements under 607 ( b ). 

Account Type : TransUnion : XXXX XXXX Equifax : Blank Experian : Credit Line Secured Conflicting account classifications are unlawful misreporting under FCRA 602 ( A ). 

Remarks/Comments : TransUnion : Blank Equifax XXXX Charged Off Account Experian : Unpaid balance reported as a loss by credit grantor ; account closed at credit grantors request Mutually exclusive notations constitute false/misleading credit information, violating FTC v. TRW, Inc., 784 F. Supp. 361 ( N.D. Tex. 1991 ). 

Delinquency History ( XX/XX/XXXX ) : TransUnion : XXXX Equifax : XX/XX/XXXX ( factually impossible ) Experian : XXXX These contradictions clearly violate FCRA 607 ( b ). 

Months Reviewed : TransUnion : XXXX Equifax : XXXX Experian : XXXX Variations in reported account history length are material inaccuracies. 

High Balance : TransUnion : {$430.00} Equifax : {$430.00} Experian : {$0.00} Direct contradiction regarding balance history. 

High Credit : TransUnion : {$300.00} Experian : {$300.00} Equifax : {$0.00} Conflicting values undermine accuracy. 

Payment History Reporting : TransUnion : No history available Equifax : Youve made XXXX XXXX of payments on time Experian : Youve made XXXX XXXX of payments on time Impossible to be simultaneously true. Such contradictions constitute gross inaccuracy under FCRA. 

XXXX. Legal Basis FCRA 607 ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy. These contradictions demonstrate a failure of compliance.

FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ] : Upon notice of dispute, CRAs must reinvestigate within XXXX  days or delete unverifiable information. 

FCRA 611 ( a ) ( 5 ) : If information is inaccurate or unverifiable, it must be promptly deleted.

FCRA 611 ( a ) ( 7 ) : I hereby invoke my right to a Method of Verification ( MOV ) if you claim this account is verified. This includes the name, address, and phone number of the furnisher, the method used, and a copy of documentation relied upon. 

FCRA 623 ( a ) ( 8 ) : CFPB-filed disputes are legally equivalent to direct disputes, and furnishers and CRAs are bound by the same obligations. 

Case Law : Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) CRAs must do more than parrot furnishers.

Richardson v. Fleet Bank, 190 F. Supp. 2d 81 ( D. Mass. 2001 ) Conflicting data constitutes inaccuracy.

FTC v. TRW , Inc. Misleading information is just as unlawful as factually false data.

3. Action Required Within 30 Days : Delete this account from my credit file unless you can verify it with complete accuracy and compliance.

If Verified as Accurate : Provide full Method of Verification ( MOV ) within 15 days of verification.

full name, address, and telephone number of the furnisher who verified the account. 

The method used to conduct the reinvestigation ( including whether it was electronic, automated, or manual ). 

A copy of all original documentation relied upon to verify the accuracy of the account, including but not limited to : The signed original contract, application, or account agreement with XXXX XXXX  XXXX. 

Any original billing statements or account records supporting the reported information. 

Records of all payments, credits, and charges applied to the account. 

Records of any delinquency dates used in reporting. 

Any correspondence between the furnisher and the CRA regarding verification. 

The date of the furnishers verification and the individual/department who verified it. 

A clear explanation of how the CRA determined that contradictory information across bureaus could all be reported as accurate. 

XXXX. Preservation of Rights If you fail to comply, I will : File additional complaints with the CFPB, FTC, and New York Attorney General. 

Pursue litigation for willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o, seeking damages, attorneys fees, and injunctive relief. 

I reserve all legal rights without limitation. 

XXXX. CFPB Disputes Governed by the FCRA Equally Be advised that disputes submitted through the Consumer Financial Protection Bureau ( CFPB.gov ) are to be treated no differently than direct disputes submitted to a credit reporting agency.

Under FCRA 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ], furnishers of information have the same duty to investigate disputes received from a consumer reporting agency as they do for disputes submitted directly by the consumer. Similarly, FCRA 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ] requires consumer reporting agencies to reinvestigate within 30 days of any dispute received from a consumer, regardless of the submission channel.

The statute does not distinguish between disputes filed directly and those filed through the CFPB, and both carry the same legal protections and obligations. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief