Consumer complaint received 2025-08-15 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, NY XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX, XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. Box XXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX Subject : Formal Dispute of Inaccurate & Inconsistent Reporting XXXX XXXX ( Acct # XXXX ) To Whom It XXXX Concern : This dispute is submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s-2 ( a ) ( 8 ), via CFPB.gov. Under 623 ( a ) ( 8 ), disputes submitted through the CFPB carry the same legal obligations as direct disputes and must be investigated with equal diligence. 

The XXXX XXXX account in question contains material and irreconcilable inconsistencies between TransUnion, Equifax, and Experian. These conflicts violate FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) requiring maximum possible accuracy, and 611 ( a ) ( 1 ) ( A ) requiring reasonable reinvestigation when a consumer disputes information. 

Documented Inconsistencies Date of Last Activity TransUnion : XX/XX/XXXX Experian : XX/XX/XXXX XXXX  : XX/XX/XXXX Conflicting dates materially affect account aging and statute of limitations calculations. See XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) discrepancies undermine reliability. 

XXXX TransUnion : XXXX XXXX  : Charged-off account Experian : Unpaid balance reported as a loss by credit grantor, account previously in dispute now resolved reported by subscriber. 
FTC XXXX XXXX confirms conflicting status/remarks require correction or deletion to comply with 607 ( b ). 

XX/XX/XXXX Days Late TransUnion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Contradictory delinquency counts are inherently impossible if accurate. See XXXX v. TransUnion, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

Months Reviewed TransUnion : XXXX Equifax : Blank Experian : XXXX XXXX reporting violates CFPB XXXX XXXX and XXXX ( b ). 

XXXX / XXXX / XXXX All three bureaus : XXXX XXXX to maintain complete, consistent account metadata is a XXXX ( b ) violation. 

XXXX XXXX TransUnion : {$770.00} Equifax : {$180.00} Experian : {$0.00} High balance is a factual number that can not differ among CRAs if accurate. Inconsistent data is misleading per XXXX XXXX Credit Bureau XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 

High Credit TransUnion : {$500.00} XXXX  : {$0.00} Experian : {$0.00} Payment History TransUnion : No history available XXXX  XXXX XXXX XXXX  on-time payments Experian : XXXX XXXX  on-time payments Impossible for a single account to simultaneously have no history and partial history actionable under 1681n & 1681o if not corrected.

Required Actions Full Reinvestigation under 1681i ( a ) ( 1 ) ( A ) using original source documentation from XXXX XXXX. 

Deletion of the account from all consumer reports if discrepancies can not be reconciled using actual, verifiable evidence. 

Method of XXXXerification ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ) within 15 days if verified, including : Name, address, and phone number of the furnisher ; Specific documents relied upon ; How those records were obtained and authenticated.

Treat this CFPB.gov-submitted dispute as a direct dispute under 623 ( a ) ( 8 ).

Deadlines XXXX  Days : Complete reinvestigation and issue results ( 1681i ( a ) ( 1 ) ( A ) ).

XXXX  Days : Provide full Method of Verification if verified ( 1681i ( a ) ( 6 ) ( B ) ( iii ) ). 
Any modifications made after the XXXX period will be considered a willful violation ( 1681n ). 

Preservation of Rights If violations persist, I reserve all rights to file complaints with the CFPB, FTC, and State Attorney General, and to pursue damages in federal court under 1681n and 1681o. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief