Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, to dispute inaccurate, incomplete, and unverifiable information being reported in my credit file regarding the account listed as XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

After a detailed review, I have identified multiple inconsistencies and violations : Errors and Inconsistencies 1. High Balance Conflict TransUnion and Experian report a high balance of {$15000.00}, while Equifax reports {$9600.00}. This discrepancy shows that the data is inconsistent and therefore unverifiable.

2. Date of Last Activity TransUnion reports XX/XX/XXXX, Experian reports XX/XX/XXXX, while Equifax reports XX/XX/XXXX and also an impossible future date of XX/XX/XXXX. These conflicting and inaccurate dates violate the requirement of accurate reporting under FCRA 623 ( a ) ( 1 ) ( A ).

3. Account Rating TransUnion lists the account as Derogatory, Experian as Paid, and Equifax again as Derogatory. This inconsistency makes the reporting misleading and harmful to my credit profile.

4. Creditor Remarks / Payment Status TransUnion states : Payment after charge off/collection Paid profit and loss.

Experian states : Unpaid balance reported as a loss by credit grantor.

Equifax states : Paid charge off Auto.

These conflicting remarks show that the bureaus are not reporting the same status, which is misleading and inaccurate.

5. Payment History TransUnion reports NONE, while Experian shows multiple late payments, and Equifax reflects contradictory late payments. This lack of uniformity violates FCRA 607 ( b ), which requires credit bureaus to maintain maximum possible accuracy.

6. Closed Date / Last Payment TransUnion lists a closed date of XX/XX/XXXX, Experian provides no closure date, while Equifax lists XX/XX/XXXX. 
Experian reports a last payment of XX/XX/XXXX, which is impossible since it is a future date. 

FCRA Violations FCRA 607 ( b ) : Credit bureaus must assure maximum possible accuracy. These discrepancies prove a failure to comply.

FCRA 609 ( a ) ( 1 ) ( A ) : I am entitled to see documentation, including a signed contract, proving the validity of this debt.

FCRA 611 ( a ) ( 5 ) ( A ) : If an item is found to be inaccurate, incomplete, or can not be verified, it must be deleted immediately.

FCRA 623 ( a ) ( 1 ) ( A ) : Information furnished to a credit bureau must be accurate. Clearly, the inconsistent data violates this requirement.

Formal Request Because this account contains conflicting, unverifiable, and inaccurate information, I demand that all three credit bureaus : 1. Conduct a full investigation in compliance with the FCRA.

2. Provide me with proof of documentation, including a signed contract with my signature that validates this debt.

3. If such documentation can not be produced, delete this account immediately from my credit reports across all bureaus. 

Please provide me with written confirmation and an updated copy of my credit report upon completion of your investigation

Company response to consumer: Closed with non-monetary relief