Consumer complaint received 2025-05-20 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX XX/XX/XXXX To Whom It May Concern, Subject : Formal Dispute of Inaccurate Information and Request for Immediate Investigation and Deletion under the FCRA Account in Dispute : XXXX | Acct # XXXX Dear TransUnion, Experian, and Equifax Dispute Departments, I am formally disputing the accuracy of the above-referenced account appearing on my credit reports. This account contains multiple conflicting entries across your respective bureaus, constituting a violation of the Fair Credit Reporting Act ( FCRA ) and my rights under federal law. I hereby request its immediate deletion unless it is verified in full compliance with the FCRA. 

1. Inconsistencies in Reporting Across Bureaus : Account Type : TransUnion : Telecommunications/Cellular Experian : Unknown - Credit Extension, Review, or Collection Equifax : Collection Date Opened : TransUnion : XX/XX/XXXXXXXX  Experian : XX/XX/XXXXXXXX  Equifax : XX/XX/XXXXXXXX  Terms ( Months ) : TransUnion : XXXX Experian : XXXX Equifax : XXXX Payment Status : TransUnion : Collection/Chargeoff Experian : Collection/Chargeoff Equifax : 120 Days Late Comments : TransUnion : Collection Account Placed for Collection Experian : Account Seriously Past Due Date / Account Assigned to Attorney, Collection Agency, or Credit Grantor 's Internal Collection Department Equifax : Telecommunications/Cellular Date Last Active : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Date of Last Payment : TransUnion : Blank Experian : Blank Equifax : XX/XX/XXXXXXXX  Two-Year Payment History : TransUnion : Blank from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  Experian XXXX Charge-Off from XX/XX/XXXXXXXX  to XX/XX/XXXXXXXX  Equifax : OK from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX an obvious contradiction for a collection account. 

2. Legal Grounds for Dispute : FCRA 602 ( A ) : Credit reporting must be fair and accurate. The presence of conflicting data across bureaus violates this standard.

FCRA 611 ( 15 U.S.C. 1681i ) : You must conduct a reasonable reinvestigation. These inconsistencies can not simultaneously be accurate.

FCRA 607 ( b ) : Credit reporting agencies and furnishers must ensure maximum possible accuracy. Internal contradictions like reporting both charge-off and OK payment history directly violate this requirement.

FCRA 611 ( a ) ( 7 ) : I invoke my right to a Method of Verification ( MOV ) if this account is not removed. This includes : -The name and address of the party who verified the data -The method used for verification -A copy of the original documentation used, as referenced in Cushman v. TransUnion, 115 F.3d 220 ( XXXX XXXX XXXXXXXX ) XXXX. Action Requested : Given the extensive reporting contradictions and the legal violations stated above, I respectfully request that you : Permanently delete this account from my credit file within 30 days, as required by the FCRA ; OR If you choose to verify the account, provide complete documentation including the Method of Verification and supporting records that justify the accounts continued reporting. 

Please submit your resolution and findings through the Consumer Financial Protection Bureau portal ( www.cfpb.gov ), where this dispute is formally filed and being tracked. 

Failure to comply may result in complaints to the CFPB, FTC, and my states Attorney General, and I will pursue all remedies available under the law.

4. Identification and Documentation : To assist in your investigation, I am providing : A copy of my government-issued ID A recent bank statement as proof of address Thank you for your prompt attention. I look forward to your resolution via the CFPB portal within the time frame required by federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation