Consumer complaint received 2025-06-26 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 XXXXXXXX XXXX XXXXXXXX XXXX  XXXX DOB : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX To : Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate Credit Reporting Request for Deletion Account Name : XXXX Partial Account Number : XXXX / XXXX Original Creditor : XXXX  XXXX To Whom It May Concern, I am formally disputing the above-referenced account listed on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S. CXXXXe XXXX et seq. After reviewing my credit report, I have identified multiple, material inaccuracies and inconsistencies in the reporting of this account between TransUnion and Experian, which constitutes inaccurate and unverifiable reporting. 

Below are the documented inconsistencies as of my most recent report retrieval : XXXX. Date of Last Activity : TransUnion : XX/XX/XXXX ( future date invalid reporting ) Experian : XX/XX/XXXX XXXX. Original Creditor : TransUnion : XXXX XXXX Experian : XXXX XXXX. Term/Source Type : TransUnion : XXXX Experian : Provided XXXX. Account Status : TransUnion : Open Experian : Charged Off XXXX. Comments : TransUnion : Placed for Collection Experian : Unpaid balance reported as a loss by credit grantor XXXX. Payment History : TransUnion : No history available Experian : 0 % On-Time Payment History XXXX. Account Number Format : TransUnion : XXXX Experian : XXXX These discrepancies are factually and legally unacceptable. It is impossible for the same account to simultaneously be reported as Open and Charged Off, and for XXXX bureau to claim a perfect lack of payment history while another fails to list the original creditor at all. 

Legal Grounds : Under 15 U.S.C. XXXXi ( a ), you are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy or completeness of information. Reporting materially inconsistent or impossible data violates the FCRA, and failure to correct such data exposes your agency and the furnisher to civil liability under 15 U.S.C. XXXX and XXXX. 

Furthermore, in XXXX v. TransUnion, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), the court held that CRAs are obligated to go beyond automated or superficial verification and must conduct a meaningful investigation when presented with evidence of reporting errors or inconsistencies. 

Action Requested : Immediately delete this account from my credit file with your agency. 

If you verify this account as accurate, provide a detailed Method of Verification ( XXXX ) in accordance with 15 U.S.C. XXXXi ( a ) ( XXXX ) ( B ) ( XXXX ). 

If you are unable to obtain consistent, factual, and verifiable documentation, you must delete this account in accordance with 15 U.S.C. XXXXi ( a ) ( XXXX ) ( A ). 

Attached to this letter are the following items for verification of identity and residency : A copy of my state-issued ID My most recent W-2 A screenshot highlighting the inconsistencies on each bureau 's report I expect a response within the XXXXday period as mandated by law. If this matter is not resolved in a lawful and timely fashion, I will not hesitate to escalate this to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal action if necessary. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation