Consumer complaint received 2025-05-14 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: IL

Complaint narrative:
RE : Reporting | XXXX  | Acct # : XXXXXXXX XXXX XXXX XXXX XXXX To Whom this may concern in the dispute department, This is a formal factual dispute regarding the reporting of the XXXX  account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) on my credit file. I am demanding the immediate removal of this account due to multiple inaccuracies, compliance violations, and XXXX XXXX guideline breaches as outlined below : 1. Inconsistent Dates : o TransUnion reports Date Opened as XX/XX/XXXX ; o Experian and Equifax report it as XX/XX/XXXX. 
Violation : FCRA 607 ( b ) requires accurate and complete data. This is a direct inconsistency. 
2. Inaccurate High Credit Reporting : o TransUnion shows {$700.00}, Equifax shows {$290.00}, Experian reports {$0.00}.

Violation : Conflicting high credit values show a failure to

meet Metro 2 consistency requirements. 3. Credit Limit Discrepancy : o Equifax shows a {$0.00} limit while others rep
ort {$75.00}.

o A {$0.00} limit does not align with the account being reported as a XXXX of XXXX. 
Violation : XXXX XXXX mandates correct and uniform field reporting. 
4. Misleading Payment History : o TransUnion and Experian report multiple XXXX XXXX XXXX charge-off entries beyond the charge-off date of XX/XX/XXXX. 
o Equifax shows OK status while reporting the account as charged off since XX/XX/XXXX. 
Violation : Post-charge-off reporting of monthly XXXX  violates FCRA and XXXX XXXX, which does not support repetitive charge-off notation once the account is closed. 
XXXX. Status & Comments Conflict : o TransUnion marks as Canceled by credit grantor ; o Experian notes Closed due to inactivity ; o Equifax shows Charged off account / closed by credit grantor.

Violation : Conflicting comments violate FCRA 1681e ( b ), which requires maximum possible accuracy.

FCRA 607 ( b ) Mandates data furnishers to maintain accuracy and integrity.

FCRA 611 Grants consumers the right to dispute inaccurate or unverifiable information. 
FCRA 602 ( A ) Data must be fair, equitable, and respectful of consumer privacy.

15 USC 1692e ( FDCPA ) Prohibits false or misleading representations of credit status. 
XXXX XXXX Compliance Requires data furnishers to report uniformly with no conflicting fields or duplicate charge-off markings. 
I am requesting immediate deletion of this account from my credit file based on : Clear factual inaccuracies, Conflicting and unverifiable reporting across all three bureaus, Repeated violations of federal reporting standards and industry compliance.

If this inaccurate reporting is not corrected within 30 days as required under FCRA 611 ( a ), I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ), State Attorney General, and pursue all available legal remedies. 
Please provide a detailed reinvestigation summary, the method of verification used, and written confirmation of the deletion upon completion.Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief