Consumer complaint received 2025-06-08 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX  TransUnion XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Reporting under the FCRA Request for Immediate Investigation Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Dear Credit Reporting Agencies, I am writing to dispute inaccurate and inconsistent information regarding the above-referenced account that is being reported on my credit file. This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and demands a reinvestigation of this account. The inconsistencies identified across TransUnion, Equifax, and Experian reports violate your obligation under FCRA 1681e ( b ) to ensure all information is reported with maximum possible accuracy.

Disputed Inconsistencies Account Status TransUnion & Equifax : Transferred Experian : Closed These statuses are materially different. Transferred and Closed carry different implications under credit scoring models and must be clarified and consistent. 

Last Activity Date TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Substantial inconsistency of XXXX  months which affects the aging of the account and scoring models.

Remarks TransUnion & Equifax : Transferred to another lender Experian : Account delinquent XXXX  days past due date, transferred to another lender Experians statement introduces derogatory context not supported in other bureau reports and significantly affects my creditworthiness.

Months Reviewed TransUnion & Equifax : XXXX months Experian : XXXX  months All data fields should align and be identical if sourced from the same furnisher.

Payment History TransUnion : XXXX  % of payments on time Equifax : XXXX  % Experian : XXXX % Payment history is a critical factor in FICO scoring. These inconsistencies directly affect my score and are likely inaccurate if all data came from the same lender.

Legal Grounds FCRA 1681e ( b ) : You are required to ensure the information you report is accurate and complete. Discrepancies between bureaus clearly indicate this requirement is not being met.

FCRA 1681i ( a ) : You must reinvestigate any disputed information and delete or correct inaccuracies or unverifiable data.

FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : If this account is verified as accurate, I formally request the Method of Verification ( M.O.V. ) within 15 days of the completion of your investigation. 

Supporting Case XXXX XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : A consumer reporting agency can not simply rely on the furnisher ; a reasonable investigation must go beyond parroting. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Data that is inconsistent across sources is considered inaccurate under the FCRA. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. XXXX ) : Information that is misleading or incomplete, even if technically correct, may still violate the FCRA.

Requested Actions Conduct a reasonable reinvestigation under FCRA 1681i ( a ). 
Delete or correct any data that can not be fully verified for accuracy and consistency. 
If verified as accurate, provide the Method of Verification within 15 days of completion of your investigation, including : The name and contact information of the person or entity who verified the data Documentation used to verify the reported status, dates, and payment history A detailed explanation for discrepancies across all three bureaus Enclosures Copy of my government-issued ID ( for identity verification ) Proof of address ( bank statement ) Highlighted copy of my credit report showing the inconsistencies Response Deadline This dispute falls under the 30-day window required by FCRA 1681i ( a ) ( 1 ) ( A ). I expect all findings and a full response within that time. 

Thank you for your prompt attention to this matter. I expect full compliance with the law and a written response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation