Consumer complaint received 2025-04-10 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: MI

Complaint narrative:
Dear Equifax, Transunion and Experian - Dispute Department, This letter serves as a follow-up to my original dispute submitted on [ XX/XX/XXXX ], regarding the collection account listed under [ XXXX ] on my credit report. I formally requested full verification and documentation showing that this debt is mine and that it is being reported accurately under the Fair Credit Reporting Act ( FCRA ). 

To date, I HAVE NOT received sufficient documentation or validation of the debt as requested. The only response provided was a generic statement that the furnisher verified the information. This does not meet the standard of verification as outlined under the FCRA and FDCPA.

To reiterate, I am requesting the following : 1.A copy of the original signed contract bearing my signature ; 2.A full itemized accounting of the debt ( including original charges, payments, interest, and any fees ) ; 3.Proof of the collection agencys legal authority to collect this debt in my state ; 4.A copy of the bill of sale or assignment showing the legal transfer from the original creditor.

If the information can not be fully verified with supporting documentation, it must be removed from my credit file under FCRA 611 ( 15 U.S.C. 1681i ).

If no response is provided within 15 business days, I will consider further actions including filing complaints with the Federal Trade Commission ( FTC ) and my State Attorney Generals Office. 

Please respond in writing and include all documentation requested. 
This letter serves as a formal dispute regarding the inaccurate and inconsistent information reported for the following account on my credit report : XXXX XXXX : XXXX Account XXXX : XXXX I have identified significant discrepancies in the reporting of the high balance, last verified date, date of last activity, creditor type, creditor remarks, and payment history for this single account across the three major credit bureaus, raising serious concerns about the accuracy and verifiability of this information. 
Specific Inaccuracies and Inconsistencies : 1High Balance : TransUnion : Reports {$1200.00} Experian : Reports {$0.00} Equifax : Reports {$1200.00} The significantly different high balance reported by Experian is inaccurate and needs investigation. 

2Last Verified Date : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The widely varying last verified dates indicate a lack of consistent and recent verification of this account 's information. 

3Date of Last Activity : TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX Equifax : XX/XX/XXXX The inconsistent dates of last activity, particularly Experian 's date being after the reported date, are illogical and require clarification. 

4Creditor Type : TransUnion : XXXX XXXXXXXX XXXX Experian : XXXX XXXXXXXX XXXX Equifax : Miscellaneous Finance The differing creditor type reported by Equifax raises questions about the accuracy of the account classification.

5Creditor Remarks : TransUnion : Charged off as bad debt Profit and loss write-off Experian : Unpaid balance reported as a loss by the credit grantor.

Equifax : Charged off account Credit card Experian 's remark including " {$0.00} '' contradicts the reported " Balance Owed '' of {$1200.00} by all three bureaus, indicating an error.

6Payment History : TransUnion : Reports " NONE REPORTED. '' Experian : Shows a consistent " CO '' ( presumably " Current/Okay '' ) payment history from XX/XX/XXXX through XX/XX/XXXX. 
Equifax : Shows a fragmented payment history with periods of " CO '' and missing data.

The complete lack of payment history on TransUnion and the inconsistent and fragmented history on Equifax, compared to Experian 's consistent positive reporting, clearly demonstrate inaccurate reporting of my payment behavior for this account.

Company response to consumer: Closed with explanation