Consumer complaint received 2025-12-08 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: AZ

Complaint narrative:
Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX AZ XXXX SSN : XXXX Subject : Summary Dispute of Inaccurate, Inconsistent, and Unverifiable Accounts To Whom It May Concern, This letter is a summary of the dispute regarding multiple accounts appearing across my Experian, TransUnion, and Equifax credit reports. Each account contains major inaccuracies, missing data, conflicting information between bureaus, and potential violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards. 

Accounts in Dispute XXXX XXXX  XXXX : Auto Loan, Balance : {$18000.00} Reported differently across all 3 bureaus ( dates, high balances, last activity, payment history, closed dates ). 

Incorrect joint account coding, missing verification of co-borrower, and inconsistent delinquency timeline. 

Possible improper charge-off ( accelerated timeline ), missing repossession details, missing sale/proceeds documentation, and incomplete accounting. 

Requires full verification of the loan contract, payment history, repossession records, balance calculation, and identity confirmation. 

XXXX XXXX, Charged-Off Account, Balance : {$130.00} ( Experian Only ) Reports only on Experian, not on TransUnion or Equifax. 

Missing XXXX XXXX fields ( first delinquency date, payment history, compliance codes ). 

No hard inquiry matches the account opening. 

Full validation required, including contract, identity documents, purchase invoice, delivery proof, and charge-off calculation. 

XXXX XXXX XXXX : {$89.00} Collection ( Equifax ) The creditor name is incomplete and unclear. 

Missing validation documents, chain of custody, account details, and original creditor agreement. 

Already marked as disputed but never resolved. 

Missing Metro 2 required fields ( ECOA code, payment history, delinquency date ). 

Possible identity theft or reporting error due to vague information. 

Major Issues Across All Bureaus Conflicting information on the same accounts ( dates, balances, high balance amounts, activity history, verification dates ). 

Missing required Metro 2 fields making accounts incomplete and inaccurate. 

Possible failure by furnishers to conduct reasonable investigations after previous disputes. 

Potential violation of state repossession and consumer protection laws. 

Possible identity verification issues on all disputed accounts. 

Automated e-OSCAR rubber stamp responses instead of required manual review. 

Requests and Required Actions I am requesting the following for each disputed account : Full reinvestigation using manual review, not automated codes. 

Complete validation documents, including contracts, signatures, payment history, account ownership, and identity verification. 

Method of Verification detailing how each account was verified, who verified it, what documents were used, and the verification date. 

Immediate deletion of any account that : Can not be fully verified, Contains unresolved inconsistencies, or Fails to meet accuracy and completeness requirements under FCRA and Metro 2. 

Damages & Compliance Notice These inaccurate accounts have caused credit score damage, credit denials, higher interest rates, employment screening issues, emotional distress, and financial loss. 
I am documenting this dispute for potential regulatory complaints or legal action if necessary. 

Please send updated Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX  AZ XXXX SSN : XXXX Subject : Summary Dispute of Inaccurate, Inconsistent, and Unverifiable Accounts To Whom It May Concern, This letter is a summary of the dispute regarding multiple accounts appearing across my Experian, TransUnion, and Equifax credit reports. Each account contains major inaccuracies, missing data, conflicting information between bureaus, and potential violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 reporting standards. 

Accounts in Dispute XXXX XXXX XXXXXXXX : Auto Loan, Balance : {$18000.00} Reported differently across all 3 bureaus ( dates, high balances, last activity, payment history, closed dates ). 

Incorrect joint account coding, missing verification of co-borrower, and inconsistent delinquency timeline. 

Possible improper charge-off ( accelerated timeline ), missing repossession details, missing sale/proceeds documentation, and incomplete accounting. 

Requires full verification of the loan contract, payment history, repossession records, balance calculation, and identity confirmation. 

XXXX XXXX, Charged-Off Account, Balance : {$130.00} ( Experian Only ) Reports only on Experian, not on TransUnion or Equifax. 

Missing Metro 2 fields ( first delinquency date, payment history, compliance codes ). 

No hard inquiry matches the account opening. 

Full validation required, including contract, identity documents, purchase invoice, delivery proof, and charge-off calculation. 

XXXX XXXX XXXX : {$89.00} Collection ( Equifax ) The creditor name is incomplete and unclear. 

Missing validation documents, chain of custody, account details, and original creditor agreement. 

Already marked as disputed but never resolved. 

Missing Metro 2 required fields ( ECOA code, payment history, delinquency date ). 

Possible identity theft or reporting error due to vague information. 

Major Issues Across All Bureaus Conflicting information on the same accounts ( dates, balances, high balance amounts, activity history, verification dates ). 

Missing required Metro 2 fields making accounts incomplete and inaccurate. 

Possible failure by furnishers to conduct reasonable investigations after previous disputes. 

Potential violation of state repossession and consumer protection laws. 

Possible identity verification issues on all disputed accounts. 

Automated e-OSCAR rubber stamp responses instead of required manual review. 

Requests and Required Actions I am requesting the following for each disputed account : Full reinvestigation using manual review, not automated codes. 

Complete validation documents, including contracts, signatures, payment history, account ownership, and identity verification. 

Method of Verification detailing how each account was verified, who verified it, what documents were used, and the verification date. 

Immediate deletion of any account that : Can not be fully verified, Contains unresolved inconsistencies, or Fails to meet accuracy and completeness requirements under FCRA and Metro 2. 

Damages & Compliance Notice These inaccurate accounts have caused credit score damage, credit denials, higher interest rates, employment screening issues, emotional distress, and financial loss. 
I am documenting this dispute for potential regulatory complaints or legal action if necessary. 

Please send updated credit reports and written results of your investigation to the address listed above. 

Sincerely, XXXX XXXX XXXX Date : XXXX XXXXcredit reports and written results of your investigation to the address listed above. 

Sincerely, XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation