Consumer complaint received 2025-06-11 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: NY

Complaint narrative:
To : TransUnion LLC XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

From : Name : XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Address : XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX XX/XX/XXXX Re : Dispute of XXXX XXXX XXXX Account Acct # XXXX / XXXX To Whom It May Concern, I am writing to formally dispute the reporting of an account associated with XXXX XXXX  XXXX which XXXX XXXX listed on my credit report under XXXX different account numbers : XXXX and XXXX. This duplicate reporting raises immediate red flags and concerns regarding identity integrity, accuracy, and FCRA compliance. 

Below are the specific inconsistencies found across TransUnion, XXXX, and XXXX  that must be resolved : Discrepancies Identified : 1. Account Numbers : TransUnion & XXXX  : XXXX XXXX  : XXXX Issue : XXXX different account numbers raise concern over duplicate, merged, or misreported accounts. 

2. Credit XXXX XXXX TransUnion XXXX XXXX  XXXX {$200.00} Equifax XXXX {$0.00} XXXX. Account Status : TransUnion XXXX XXXX  : Charge Off XXXX  : Closed XXXX. Last Activity Date : TransUnion & XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX. Account XXXX : All XXXX  Bureaus : XXXX 6. Remarks : TransUnion : XXXX Equifax : Charged Off Account XXXX  : Account Delinquent XXXX XXXX Past Due Date, Purchased By Another Lender 7. Late Payments ( XX/XX/XXXX Days ) : TransUnion : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX : All Bureaus : XXXX XXXX. XXXX XXXX XXXX : All Bureaus : XXXX XXXX. XXXX XXXX : TransUnion XXXX Equifax : {$410.00} XXXX  : {$200.00} 11. Most Recent Status : TransUnion & XXXX  : Collection/Charge-Off XXXX  : Late Over XXXX XXXX 12. Payment History : TransUnion : No history available XXXX XXXX XXXX : Report XXXX XXXX of payments made on time Legal Violations : These discrepancies collectively violate the Fair Credit Reporting Act ( FCRA ), specifically : -FCRA 1681e ( b ) : Requires agencies to follow reasonable procedures to ensure maximum possible accuracy. Conflicting account numbers and inconsistent data violate this requirement.

-FCRA 1681i ( a ) : Entitles consumers to a reasonable reinvestigation of disputed accounts.

-FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) : Grants the consumer the right to a Method of Verification ( MOV ), including who provided the information and how it was verified. 

-Cushman XXXX TransUnion, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Agencies must do more than rely on furnishers and must independently verify disputed data. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Conflicting information across tradelines constitutes inaccuracy under the FCRA. 

-Richardson XXXX XXXX Bank XXXX XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Reinforces that CRAs have a duty to resolve inconsistent or unverifiable information. 

Requested Action : Due to the conflicting data and inconsistent reporting detailed above, I respectfully request that : This account be immediately deleted from all three credit reports unless all data can be verified and uniformly corrected. 

If this account is verified as accurate, I demand a complete Method of Verification ( MOV ) under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), including : The name and address of the furnisher The method used to verify the data Any supporting documentation used during the reinvestigation process If this matter is not resolved within the required XXXX period, I will escalate this issue by filing complaints with the Consumer Financial Protection Bureau XXXX CFPB ) and Federal Trade Commission XXXX FTC ), and XXXX seek legal counsel for violation of my rights under the FCRA. 

Thank you for your prompt attention to this matter. 

Attached : copy of my state id for proof of identity copy of my utility for proof of address highlighted screen shot of the multiple/severe inconsistencies being report to the credit bureaus Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief