Consumer complaint received 2025-08-18 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 XXXX NY XXXX XXXX XXXX XXXXXX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX  Phone : XXXX Date : XX/XX/XXXXXXXX  To : TransUnion LLC, XXXX XXXX XXXX XXXX, PA XXXX Experian Information Solutions , Inc., XXXX. XXXX XXXX, XXXX, TX XXXX Equifax Information Services, LLC, XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX  Account Inconsistencies Account in Dispute : XXXX XXXX XXXX  Acct # XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Dear TransUnion, Experian, and Equifax, XXXX am formally disputing the accuracy and completeness of the XXXXXXXX XXXX account listed on my credit reports. The information you are reporting contains contradictory, materially inaccurate, and unverifiable data that violates the Fair Credit Reporting Act ( FCRA ) and my rights under federal law. 

XXXX. Documented Inconsistencies Last Activity : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX Inconsistent activity dates can not simultaneously be accurate. 

Original Creditor : TransUnion & Experian : XXXXXXXX XXXX XXXX Equifax : Blank Omission by Equifax constitutes incomplete and inaccurate reporting. 

Term/Source/Type : All three bureaus : Blank Lack of data is noncompliant with FCRA accuracy obligations. 

Status : TransUnion & Experian : Charge-off Equifax : Open A single account can not be both charged-off and open.

Most Recent Adverse Rating : TransUnion & Experian : Collection/Charge-off Equifax : No data available Material contradictions across agencies violate 607 ( b ).

Payment History : TransUnion : No history available Experian : No history available Equifax : 100 % of payments on time These contradictions are factually impossible and misleading.

2. Legal Basis FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : CRAs must follow reasonable procedures to assure maximum possible accuracy. Conflicting entries are unlawful.

FCRA 611 ( a ) ( 1 ) ( A ) : Requires reinvestigation of disputed items within 30 days of receipt.

FCRA 611 ( a ) ( 5 ) ( A ) : Information that can not be verified must be deleted.

FCRA 623 ( a ) ( 8 ) : Disputes filed via CFPB.gov are legally identical to direct disputes. Furnishers and CRAs must investigate and correct accordingly. 

Case Law : XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX CRAs must conduct reasonable investigations, not simply parrot furnishers. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contradictory reporting constitutes inaccuracy. 

FTC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) Misleading reporting is just as unlawful as factually false data. 

XXXX. Method of Verification ( MOV ) Request If this account is verified, I formally invoke my right to a Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). Within 15 days of verification, provide : The full name, address, and phone number of the furnisher who verified the account.

The method used for verification ( manual, electronic, or otherwise ). Copies of original documents relied upon including contract, billing records, payment history, and delinquency records. The date and identity of the verifying party. An explanation of how contradictory bureau reporting was deemed accurate. 4. CFPB Disputes Governed Equally Be advised that disp
utes filed through the CFPB portal are governed by the same provisions of the FCRA as direct disputes.

FCRA 623 ( a ) ( 8 ) : Furnishers must investigate disputes filed through CRAs or CFPB with equal weight.

FCRA 611 ( a ) ( 1 ) ( A ) : CRAs must reinvestigate all disputes within 30 days, regardless of the channel received. 

XXXX. Action Required Within 30 Days : Delete the XXXX XXXX account unless it can be verified with complete accuracy and consistency. 

If Verified : Provide a full Method of Verification within 15 days of verification response.

6. Consequences for Noncompliance If you fail to comply, I will : File formal complaints with the CFPB, FTC, and New York Attorney General. 

Pursue legal action under 15 U.S.C. 1681n and 1681o, seeking statutory damages, actual damages, attorneys fees, and injunctive relief.

I reserve all rights available under federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief