Consumer complaint received 2026-03-11 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: VA

Complaint narrative:
I am filing this formal complaint against the national credit reporting agencies Experian , Equifax, and TransUnion, as well as the data furnishers associated with the accounts listed below, because my credit reports contain multiple inaccurate, inconsistent, and unverifiable items that remain despite my efforts to review and compare the information reported by each bureau. The account XXXX XXXXXXXX XXXX Account # XXXX, Balance {$1700.00}, Date Opened XX/XX/XXXX is being reported on my Experian credit report only and does not appear on my Equifax or TransUnion files, demonstrating inconsistent reporting and raising serious concerns about verification and compliance with FCRA 607 ( b ) which requires credit bureaus to maintain maximum possible accuracy ; additionally, the account lacks proper documentation establishing my legal responsibility and does not clearly report the Date of First Delinquency, which violates FCRA 623 ( a ) ( 5 ) and FCRA 623 ( a ) ( 1 ) ( A ) requiring accurate and complete reporting by furnishers. There is also an account reported by XXXX XXXX Account # XXXX, Balance {$11000.00}, Date Opened XX/XX/XXXX that appears on both Experian and Equifax but is absent from TransUnion, which further demonstrates inconsistent reporting across the credit bureaus ; the reporting of this account also lacks accurate delinquency data required under FCRA 623 ( a ) ( 5 ) and FCRA 605 ( c ), and I have never received documentation proving the existence of a contractual obligation for this alleged debt, and if any portion of the balance over {$600.00} was canceled or XXXX there should be a corresponding 1099-C tax form, which has never been provided. Additionally, my Equifax report contains a collection account from XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX, Account # XXXX, Balance {$360.00}, which appears only on Equifax and not on Experian or TransUnion, demonstrating further inaccuracies and failure to ensure maximum accuracy under FCRA 607 ( b ) ; the collector has never provided proper debt validation as required by FDCPA 809 ( 15 U.S.C. 1692g ), and reporting an unvalidated debt may constitute false or misleading representation under FDCPA 807 and unfair collection practices under FDCPA 808. Another collection account reported by XXXX XXXX XXXX Original Creditor : XXXX, Account # XXXX, Balance {$510.00}, Date Opened XX/XX/XXXX appears on Experian , Equifax, and TransUnion, yet the account lacks proper validation and documentation proving assignment of the debt from the original creditor XXXX to the collector, which violates FDCPA 809, and the reporting does not clearly identify or verify the Date of First Delinquency required under FCRA 623 ( a ) ( 5 ) and FCRA 605 ( c ) that controls the legal reporting period. In addition, there are several questionable credit inquiries that appear inconsistently across my reports including XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX XX/XX/XXXX ), ALTISOURCE/LENDERSONE ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ) on my Experian file and XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( XX/XX/XXXX XXXX on my Equifax file, and I have never been provided documentation proving these entities had a permissible purpose to access my credit file as required under FCRA 604 ( a ) ; under FCRA Section 611 I have the right to dispute inaccurate or unauthorized inquiries and under FCRA Section 605 ( a ) inquiries can not remain if they are inaccurate or unauthorized. The presence of these accounts and inquiries with inconsistent reporting between the three bureaus demonstrates systemic failures to follow federal consumer protection laws including FCRA 607 ( b ) regarding accuracy procedures and FCRA 611 regarding investigation of disputed information, and therefore I am requesting regulatory review and enforcement to DELETE these reporting violations.

Company response to consumer: Closed with non-monetary relief