Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
Dispute Summary : Conflicting, Inaccurate, and Unverified Reporting XXXX. Date of Last Activity Equifax : XX/XX/XXXX Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX These can not all be accurate and violate FCRA XXXX ( b ), which requires maximum possible accuracy. 

XXXX. Payment History Contradictions XXXX bureau shows : No late payments Another : XXXX, XXXX, XXXX Another : XXXX late payment total XXXX even reports : XX/XX/XXXX ( which is clearly inaccurate ) Payment History Percentages : Experian : XXXX XXXX Equifax : XXXX XXXX  TransUnion : No payment history listed This is clear proof of inconsistent reporting. Under FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers are not allowed to provide inaccurate or unverifiable information. 

XXXX. High Balance Reporting Differences XXXX bureau reports a high balance significantly different from the others, despite the account being the same. 
This inconsistency skews my credit utilization calculations and is a violation of FCRA XXXX ( b ). 

XXXX. Monthly Payment Listed as {$0.00} Monthly payment is listed as {$0.00}, yet theres a balance or payment history associated with the account. 
This can be misleading to lenders and may affect DTI ( Debt-to-Income ) calculations. 

XXXX. Months Reviewed Discrepancies XXXX report lists only XXXX months reviewed, others list different timeframes. 
This affects how long the history is considered and is misleading to scoring models. 

XXXX. Account Status Conflicts XXXX bureau reports : Closed/Charged-Off Another : Closed Another : Past Due All three can not simultaneously be true. This confuses both consumers and lenders. 

XXXX. Remarks & Narrative Differences Remarks vary, with some saying : Charged off as bad debt Paid less than full balance Some have no remarks at all This violates FCRA XXXX because these statements imply different resolutions and can drastically alter a lenders interpretation. 

Additionally, the fields Term Source Type and Amount Past Due are completely blank across all three credit bureaus, despite the account being reported as a charge-off with a {$470.00} balance. These omissions create a misleading and incomplete depiction of the account and violate FCRA XXXX ( b ), which requires that all information furnished to credit bureaus be complete and accurate. The absence of this data materially affects how scoring models interpret credit mix and payment delinquency, and further demonstrates that this account is being reported in a noncompliant and unverifiable manner. 

Request for Action : Under FCRA XXXX and XXXX, I formally request that you : XXXX. Reinvestigate this XXXX XXXX account immediately. 

XXXX. Provide the Method of Verification ( MOV ) used to validate this account under FCRA XXXX ( a ) ( XXXX ). 

XXXX. Provide tangible documentation that legally verifies this account and its current reporting status, including : A signed contract or original application bearing my signature An itemized statement or account ledger showing how the balance of {$470.00} was calculated The date the account was charged off and any supporting documents from the furnisher The date and documentation of account closure If this information can not be provided in full, or can not be verified with consistency across all three bureaus, the account must be permanently deleted from my credit file under FCRA XXXX ( a ) ( XXXX ) ( A ). 

I am also submitting this complaint via CFPB.gov and expect a complete investigation and response within XXXX days, as required by law. 

I am also submitting this complaint via CFPB.gov and expect a complete investigation and response within XXXX days, as required by law. 

Sincerely, XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief