Consumer complaint received 2025-06-19 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : XXXX RE : Formal Dispute of Inaccurate Reporting XXXX XXXX / XXXX XXXX XXXX. Account Discrepancies Dear Credit Reporting Agency, I am writing to formally dispute the accuracy and consistency of an account being reported on my credit file by XXXX XXXX XXXX ( XXXX XXXX ), with the original creditor listed as XXXX XXXX XXXX. The reporting of this account contains multiple material errors and contradictory data across the three bureaus, violating the Fair Credit Reporting Act ( FCRA ) under 1681e ( b ), 1681i ( a ), and 1681s-2 ( a ).

Below are the documented inconsistencies among the three credit reporting agencies for this single account : 1. Inconsistent Account Numbers TransUnion : XXXX Equifax : XXXX Experian : XXXX This inconsistency in account numbers compromises identity matching, and violates FCRA 1681e ( b ) ( requirement for maximum possible accuracy ). 

XXXX. Conflicting Last Activity Dates TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX Last activity dates span more than XXXX years apart, affecting delinquency aging and credit scoring models a direct violation of FCRA 623 ( a ) ( 1 ) ( A ). 

XXXX. Missing or Conflicting Original Creditor TransUnion & Experian : XXXX XXXX XXXX. 

Equifax : Original creditor is not listed Omission of the original creditor by Equifax violates the right to full and accurate account information under FCRA 1681g.

4. Status Discrepancies TransUnion : Open Equifax : Open Experian : Charge Off An account can not be simultaneously open and charged off. This inconsistency misleads creditors and violates FCRA 1681XXXX ( b ) and RichardsoXXXX v. Equifax. 

XXXX. Conflicting Comments/Notations TransUnion : Placed for Collection Equifax : Collection Account Experian : Unpaid Balance Reported as a Loss by XXXX XXXX These notations reflect different account statuses and handling, and are not aligned. 

XXXX. Payment History Discrepancies TransUnion : No history available Equifax : Youve made 100 % of payments on time Experian : No history available This is a critical contradiction a collection account can not simultaneously report perfect payment history. Furthermore, no XXXX late marks appear on any bureau. If the account was truly delinquent or charged off, this absence is suspicious and inconsistent. 

XXXX XXXX for This Dispute FCRA 1681e ( b ) : Credit bureaus must maintain procedures to ensure maximum possible accuracy.

FCRA 623 ( a ) ( 1 ) ( A ) : Data furnishers must not report inaccurate or misleading information.

FCRA 1681i ( a ) ( 1 ) ( A ) : Credit bureaus must investigate disputes and correct or delete unverifiable information.

FCRA 1681g ( a ) : Consumers have the right to full account disclosure, including original creditor.

Case Law : Dennis v. BEH-1, LLC, 520 F.3d 1066 ( XXXX XXXX XXXX ) : Contradictory data may be deemed inaccurate even if some of it is technically true.

Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d XXXX XXXX XXXX : Failure to fully investigate and reconcile conflicting information constitutes FCRA violation. 

Requested Action : Immediately remove this account from my credit report due to irreconcilable inconsistencies across all three bureaus. 

If the account is verified as accurate, I am requesting a detailed Method of Verification ( MOV ) per FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). This must include : The name of the party who verified the account, The method and documentation used, The date the verification occurred. 

Provide written results of your reinvestigation within 30 days, as mandated by law. 

If this issue is not resolved promptly, I will not hesitate to escalate the matter by filing complaints with the CFPB, FTC, and potentially pursuing civil remedies under FCRA 1681n and 1681o for negligent or willful noncompliance. 

attached is a copy of my passport for identity verification a copy of my utility for proof of address highlighted screenshots of inconsistencies Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation