Consumer complaint received 2025-09-05 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 XXXX XXXXXXXX DOB : XX/XX/XXXX SSN ( last XXXX ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Experian Information Solutions , Inc. 
XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Account Name : Celtic/Cont Account Number : XXXX I am formally disputing inaccurate, incomplete, and inconsistent reporting on my consumer credit files. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., grants me the right to dispute such information and requires the consumer reporting agencies ( CRAs ) to ensure maximum possible accuracy ( XXXX ( b ) ). 

Disputed Account Information The following account contains numerous reporting discrepancies among your agencies : XXXX. Account Type TransUnion/Experian : Credit Card Equifax : Blank XXXX XXXX Date Opened TransUnion : XX/XX/XXXX Experian/Equifax : XX/XX/XXXX XXXX. High Credit TransUnion/Equifax : {$750.00} Experian : {$0.00} XXXX Credit Limit TransUnion/Experian : {$500.00} Equifax : {$0.00} XXXX XXXX Last Reported TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Date of Last Active TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Date of Last Payment TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Payment History TransUnion/Experian : Blank Equifax XXXX XXXX XX/XX/XXXX XX/XX/XXXX Legal Grounds for Dispute FCRA XXXX ( b ) Requires CRAs to ensure maximum possible accuracy. The conflicting data across agencies clearly violates this provision. 

FCRA XXXX ( a ) ( XXXX ) ( XXXX ) Mandates reinvestigation within XXXX days of receipt of this dispute. 

FCRA XXXX ( a ) ( XXXX ) Requires you to forward all relevant information I provide to the furnisher of the disputed data. 

FCRA XXXX ( a ) ( XXXX ) ( XXXX  ) If unverifiable, the item must be deleted from my credit file. 

FCRA XXXX ( b ) Furnishers must correct and update inaccurate information once notified. 

CFPB Guidance ( XXXX Supervisory Highlights ) Clarifies that CRAs must handle disputes submitted via XXXX identically to direct disputes under XXXX ( a ) ( XXXX ). 

Relevant Case Law : XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs must do more than a superficial review. 

XXXX v. Equifax, XXXX XXXX XXXX ( XXXX. XXXX. XXXX ) Conflicting data across agencies is evidence of inaccuracy. 

XXXX Disputes Equal to Direct Disputes It is important to emphasize that disputes submitted via the Consumer Financial Protection Bureau ( XXXX ) are to be treated no differently than direct disputes submitted to a CRA or furnisher. 

FCRA XXXX ( a ) ( XXXX ) establishes the duty of furnishers to investigate disputes submitted directly and through an indirect channel such as the CFPB. 

CFPB XXXX XXXX and FTC Staff Opinion Letters confirm that XXXX and furnishers must treat CFPB-submitted disputes with the same seriousness, obligations, and timelines as direct disputes. 

Any attempt to treat XXXX disputes as lesser or optional is a clear violation of the FCRA and may result in enforcement action or civil liability under XXXX and XXXX. 

Therefore, my dispute via XXXX must be processed equally, fully, and in compliance with all FCRA dispute and reinvestigation provisions. 

Request for Method of Verification ( MOV ) If you verify this account as accurate, I demand full Method of Verification as required under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ). You must provide : The name, address, and telephone number of the furnisher you contacted. 

A detailed description of the procedures used to determine accuracy. 

This information must be sent within XXXX  days of completing your reinvestigation. Failure to provide complete XXXX  will be considered a violation of the FCRA. 

Deadlines & Expectations XXXX days : Complete reinvestigation ( XXXX ). 

XXXX  days after verification : Provide XXXX as mandated. 

If unverifiable, incomplete, or inconsistent, the account must be deleted. If violations persist, I preserve my right to pursue remedies under FCRA XXXX and XXXX, including actual, statutory, and punitive damages, plus attorneys fees. 

Preservation of Rights This letter serves as notice that I am preserving all rights to legal action if you fail to comply. Continuing to report inaccurate or incomplete information knowingly will be considered willful noncompliance under the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation