Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
XXXX XXXX  DISPUTE LETTER CREDIT REPORT INACCURACY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX To : XXXX XXXX  Equifax XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Formal Dispute of Credit Report Errors XXXX XXXX XXXX Account XXXX XXXX Dear Credit Bureau Representative, I am writing to formally dispute inaccurate and inconsistent information reported on my credit report regarding the following account : XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The reporting for this account contains multiple discrepancies and inaccuracies across the XXXX major credit bureaus, which violate the XXXX XXXX  Fair Credit Reporting Act ( FCRA 602 ( a ), 607 ( b ), and 611 ( a ) ) XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conflicting Account Status & Payment Status : XXXX XXXX XXXX Equifax reports the account as Open / Late 120 Days, Experian reports Closed / Collection/Chargeoff, and TransUnion shows missing information. Inconsistent reporting violates XXXX XXXX  FCRA 607 ( b ) XXXX XXXX 

2XXXX XXXX XXXX Future Dates / Inaccurate Reporting : XXXX XXXX XXXX  Start Date reported as XX/XX/XXXX, which is clearly in the future and inaccurate. 
* XXXX XXXX varies : Equifax XX/XX/XXXX, Experian XX/XX/XXXX. 

XXXXXXXX XXXX XXXX  Missing Information on TransUnion XXXX XXXX XXXX XXXX Account number, type, balance, dates, status, past due amounts, and comments are missing. Missing or incomplete reporting violates XXXX XXXX  FCRA 607 ( b ) XXXX XXXX 

XXXXXXXX XXXX XXXX  Past Due & Payment Information Inconsistencies XXXX XXXX XXXX XXXX Past due amounts, XX/XX/XXXX day reporting, and last payment date are inconsistent across bureaus. 

XXXX. XXXX XXXX  Consumer Dispute Not Fully Reflected XXXX XXXX XXXX XXXX Equifax indicates the account is disputed ; Experian reports only partial dispute notes. FCRA 611 ( a ) requires that all verified consumer disputes are properly reflected on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Actions XXXX XXXX  Under the XXXX XXXX FCRA XXXX XXXX  I request : XXXX. Conduct a XXXX XXXX full investigation XXXX XXXX with XXXX XXXX XXXX to verify the accuracy of all reported information. 
XXXX. Correct all inaccurate, incomplete, or inconsistent information, including : XXXX Account Status * Payment Status * Start Date / Last Activity / Last Payment XXXX Past Due Amounts/ XXXX Day Reporting * Comments/ Consumer Dispute Notes XXXX. If XXXX XXXX XXXX can not provide verified documentation, XXXX XXXX remove this account from my credit report entirely XXXX XXXX 
XXXX. Provide XXXX XXXX written confirmation XXXX XXXX of the investigation results within XXXX XXXX  30 days XXXX XXXX, as required by law. 

Sincerely, XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with explanation