Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Inaccurate and Inconsistent Reporting of Security Fin Account To Whom It May Concern : I am writing to dispute inaccurate and misleading information being reported on my credit file by your agency regarding an account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. As a credit repair specialist with extensive experience, I must bring to your attention multiple inconsistencies and FCRA violations that require immediate correction and deletion of this account. 
Specific Inaccuracies : 1. Account Number Mismatch : TransUnion and Equifax report different account numbers for the same XXXX XXXX account. This discrepancy raises serious concerns about identity confusion, misfiled data, and reporting errors. Under FCRA 1681e ( b ), you are required to ensure maximum possible accuracy.

2. Date and Balance Inconsistencies : The balance owed is reported as {$1000.00} by TransUnion and {$1000.00} by Equifax for the same account. Inaccurate balance data misrepresents my financial standing and is a direct violation of the FCRA 's accuracy requirements. 



XXXX. Payment Status Conflict : TransUnion reports Late 90 Days, while Equifax reports Late 60 Days. Such conflicting information alters how the account is scored by algorithms, inflating the level of delinquency and unfairly harming my credit score. 



XXXX. Reporting Dates Conflict : The Date of Last Activity shows as XX/XX/XXXX on TransUnion but XX/XX/XXXX on Equifax. This inconsistency misrepresents the recency of the activity, artificially prolonging derogatory impact on my file. 



XXXX. Creditor Type Inconsistency : TransUnion lists the creditor as Miscellaneous Finance, while Equifax states Personal Loan Companies. These differences affect how the account is categorized and evaluated by underwriting systems.

Legal Violations : FCRA 1681e ( b ) Failure to ensure maximum possible accuracy.

FCRA 1681i ( a ) ( 1 ) ( A ) Failure to conduct proper reinvestigation after disputed inaccuracies.

FCRA 1681s-2 ( b ) Furnisher of information failing to update and correct inaccurate information.

-- - Demand for Immediate Deletion : This account is materially inaccurate, and its inconsistencies across two major credit bureaus create substantial harm to my creditworthiness. I am hereby demanding that this XXXX XXXX account be immediately deleted from all credit reporting agencies due to failure to comply with federal law. 

You are required under the FCRA to : Complete your investigation within 30 days, and Remove all information that can not be fully verified as complete, accurate, and consistent. 


Failure to delete or correct this information will result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel for civil damages. 

Attached is a copy of my identification and proof of address for verification. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation