Consumer complaint received 2025-06-18 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX Digits ) : XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion, Equifax, Experian Re : Dispute of Inaccurate Late Payments and XXXX XXXX XXXX XXXX XXXX Bank Account Number : XXXX To Whom It XXXX Concern, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the account listed under XXXX XXXX XXXX Bank ( Account # XXXX ). I am contesting the late payments reported on this account, which are inaccurate. I have never been late on this account, and I request that these entries be corrected to Pays As Agreed. 

Additionally, I am compelled to address numerous reporting discrepancies across the XXXX major credit bureaus that further call into question the integrity of this tradeline. 

Discrepancy List : Last Activity Date TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Remarks TransUnion : No remarks Equifax : " Credit Card '' Experian : " Account Delinquent 60 Days Past Due Date '' Times XX/XX/XXXX Days Late TransUnion : XXXX Equifax : XXXX Experian : XXXX High Balance Reported TransUnion : {$830.00} Experian : {$830.00} Equifax : {$0.00} Payment History Summary TransUnion : Youve made 94 % of payments on time Equifax : Same as above Experian : Youve made 88 % of payments on time Legal Violations FCRA & Case Law Support : FCRA 607 ( b ) Bureaus must maintain maximum possible accuracy. The reported discrepancies across all three CRAs directly violate this statute.

FCRA 611 ( a ) Mandates reinvestigation and correction/deletion of any disputed information that can not be verified as accurate.

FCRA 609 ( a ) ( 1 ) Grants me the right to all information in my file, including how it was verified.

Cushman v. TransUnion, 115 F.3d 220 ( 3rd Cir. 1997 ) : The CRA must conduct more than a cursory verification ; it must perform a reasonable investigation or be held liable.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Failure to accurately investigate and correct disputed late payments can be grounds for legal remedy under FCRA.

Dalton v. Capital Associated Industries , Inc., 257 F.3d 409 ( 4th Cir. 2001 ) : Establishes that inaccurate reporting due to inconsistent data constitutes negligence.

Formal Request : I am not disputing the account itself, only the alleged late payments and the inconsistencies tied to this tradeline.

I request this account be updated across all three credit bureaus to reflect : Pays As Agreed Removal of all late payments ( XX/XX/XXXX days ) Consistent, verified data across TransUnion, Experian, and Equifax In compliance with FCRA 611 ( a ), I also request the Method of Verification ( M.O.V. ) only if this account is verified. This must include : The name and contact information of the individual/entity who verified the payment status The exact verification method used A clear description of any original documentation relied on during reinvestigation If the bureaus are unable to verify the late payments with sufficient and consistent documentation, I request that these late entries be permanently removed and that my account reflect an accurate payment history in accordance with the law.

Please resolve this dispute within the 30-day window as required by the FCRA. 

Attached : State identification for proof of identity utility for proof of address highlights of inconsistencies being reported. 

Sincerely, XXXX XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief