Consumer complaint received 2025-05-18 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 XXXXXXXX XXXX XXXXXXXX XXXX, NY XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Transunion/Equifax/Experian Subject XXXX Formal Dispute of Inaccurate and Incomplete Account Information Request for Investigation and Method of Verification ( FCRA 611 ) Re : Account Number XXXX Creditor Unknown Dear TransUnion, Equifax, and Experian XXXX I am writing to formally dispute numerous material inconsistencies and inaccuracies related to Account Number XXXX reported across your respective credit files under a creditor listed as " UNKNOWN. '' Please note : I am not requesting this account be updated, cured, corrected, or removed due to non-payment or hardship. Instead, I am demanding action based solely on the gross discrepancies and lack of uniformity across all three credit reporting agencies, which directly violate the Fair Credit Reporting Act ( FCRA ). 

Key Inconsistencies Identified : 1. Credit Limit Reporting : TransUnion and Experian report a {$500.00} limit.

Equifax falsely reports a {$0.00} limit, which is inaccurate for a revolving credit card account.

This violates FCRA 607 ( b ) ( reasonable procedures to assure maximum possible accuracy ). 

2. Last Activity Date : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX Conflicting dates violate FCRA 623 ( a ) ( XXXX ) ( A ) requiring furnishers to report accurate information.

3. Account Type : TransUnion and Experian list as Credit Card.

Equifax leaves this blank, failing to meet disclosure requirements under FCRA 609 ( a ) ( 1 ).

4. Account Status Descriptions : TransUnion : Charged Off Equifax : Charged Off Account Experian : Unpaid Balance Reported as a Loss ; Closed at Credit Grantors Request These status variations are vague, inconsistent, and violate FCRA XXXX ( b ) and XXXX ( a ) ( XXXX ). 

XXXX. Delinquency History ( XX/XX/XXXX Days Late ) : TransUnion : XXXX Equifax : XX/XX/XXXX Experian : XXXX This massive discrepancy demonstrates reckless and inaccurate reporting. 

6. Months Reviewed : TransUnion : 0 Equifax : 29 Experian : 30 One bureau reports no review, another reports nearly 3 years. This is clearly contradictory.
7. Term / Source Type : All three bureaus omit required term source details.

8. Term Count : Only Equifax lists a 0 count ; others report nothingfailing to provide standardized and complete data.

9. High Balance : TransUnion : {$710.00} Equifax : {$700.00} Experian : {$0.00} Experians {$0.00} is patently inaccurate, and TransUnion reports a balance that exceeds the actual credit limit.

10. Monthly Payment Amount : All three bureaus report {$0.00}, which is highly questionable for a charged-off credit card account and suggests incomplete reporting.

11. Payment History Summary : TransUnion : No history available Equifax : 71 % of payments made on time Experian : 16 % of payments made on time The percentages can not all be accurate for the same account.

What I Am Requesting Under the FCRA : Per the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I formally request the following : An immediate reinvestigation into the accuracy and validity of all data associated with Account # XXXX. 

The full Method of Verification ( M.O.V. ) ( Only & After Account Is " Verified As Accurate ) per FCRA 611 ( a ) ( 7 ), including the name, contact details, and system or documentation used by the furnisher to verify this account.

If 100 % original documentation from the furnisher ( not screenshots or internal records ) can not be produced, I demand the permanent removal of the account from all credit files due to data unreliability and non-compliance with FCRA accuracy standards.

A corrected and updated copy of my credit report from each bureau after reinvestigation is complete, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( ii ).

Important Final Note : This is not a goodwill or hardship dispute. I do not want this account updated, corrected, or cured in any way. I am requesting action based strictly on factual inconsistencies and unverifiable data that result in legal violations. I am documenting this matter and am prepared to file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ) The Federal Trade Commission ( FTC ) The New York State Attorney Generals Office if my legal rights are not honored within 30 calendar days from receipt of this dispute. 

Attached is : My State Id For Identification Verification My Bank Statement For Proof Of Address My Social Security Card For Identification Verification Highlights of Multiple reported inconsistencies from this account reporting on my credit report Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief