Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Virginia XXXX, VA XXXX SSN : XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate Information XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally dispute inaccurate and inconsistent information being reported on my credit file concerning the following account : Creditor Name : XXXX XXXX Account Type : XXXX Loan Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX After reviewing my credit reports from all three major credit bureaus, I have identified several inconsistencies and inaccuracies that violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Below is a detailed summary of my dispute XXXX XXXX XXXX XXXX XXXX Status Across Bureaus TransUnion reports the account as Open with a status of Late 120 Days. 
Equifax reports the same account as Closed Collection/Charge-off with a Derogatory rating. 
This inconsistency between open and closed/charged-off violates FCRA 1681e ( b ), which requires consumer reporting agencies to maintain accuracy and consistency in reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion shows multiple months of XXXX late payments through XXXX. 
Equifax lists the same XXXX delinquencies but marks the account as closed, which makes ongoing delinquency reporting inaccurate. 
If the account was charged off as reported by XXXX continued late payment reporting is prohibited under FCRA 1681c ( a ) since a charge-off is considered a final status. XXXX XXXX XXXX XXXX XXXX XXXXs TransUnion reports a {$0.00} balance and lists the account as open. 
Equifax reports a {$25000.00} balance and lists the account as closed/charged off. 
These XXXX entries can not simultaneously be correct. Either the account remains open with an active balance or is closed and charged off not both. This inconsistency affects credit scoring and constitutes a reporting error under federal law. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX My previous requests for verification of this account resulted in incomplete responses. There has been no documentation provided that clearly identifies who verified the data, their title, or what method was used to confirm the accuracy of the reported information. This failure violates FCRA 1681i ( a ), which requires a reasonable reinvestigation and verification of disputed information. XXXX XXXX  FCRA Violation Summary The above discrepancies represent violations of the FCRAs accuracy and fairness requirements under : 1681e ( b ) Failure to ensure maximum possible accuracy.

1681i ( a ) Failure to conduct a reasonable reinvestigation.XXXX XXXX XXXX XXXX XXXX XXXX on the outlined inaccuracies and conflicting data, I am requesting the complete deletion of this XXXX XXXX account from my credit report. Please conduct a thorough investigation and provide a written response within 30 days of receiving this letter, including : 1. A full explanation of the investigation performed.

2. Identification of all parties contacted for verification.

3. A revised credit report reflecting deletion or verified corrections of the disputed data. XXXX  Thank you for your prompt attention to this matter. I expect full compliance with all provisions of the Fair Credit Reporting Act. 
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief