Consumer complaint received 2025-08-13 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, NY XXXX Phone : ( XXXX ) XXXX Email : XXXX SSN ( Last XXXX ) : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Inconsistent & Inaccurate Reporting of XXXX XXXX  Account Whom It XXXX Concern, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, including XXXX ( b ) ( maximum possible accuracy ), XXXX ( reinvestigation ), and XXXX ( a ) ( XXXX ) which requires that disputes submitted indirectly via the XXXX portal be treated the same as direct disputes. 

Upon review of my credit reports from all three major credit reporting agencies, I have identified serious factual inconsistencies in the reporting of the account identified as XXXX XXXX, Account XXXX XXXXXXXX. These conflicts create material inaccuracies and violate the FCRAs mandate for complete and accurate reporting. 

XXXX. Date of Last Activity Conflict TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX Such discrepancies XXXX indicate illegal re-aging under XXXX ( a ) and constitute inaccurate reporting. 
XXXX XXXX : XXXX v. Equifax, XXXX inconsistent key dates are inherently inaccurate. 

XXXX. Original Creditor Inconsistency TransUnion & Experian : XXXX XXXX XXXX  XXXX. 

Equifax : XXXX XXXX to list the original creditor violates XXXX ( a ) ( XXXX ) right to full disclosure of information sources. 

XXXX. Term/Source Type Missing Across XXXX XXXX TransUnion XXXX Equifax, Experian : Blank The absence of required account details across all CRAs demonstrates a violation of XXXX ( b ). 

XXXX. Account Status Conflict TransUnion & Experian : XXXX Equifax : XXXX An account can not be simultaneously open and charged-off. 
XXXX XXXX : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) contradictory statuses require deletion. 

XXXX. Most Recent Adverse Rating Discrepancy TransUnion & Experian : XXXX Equifax : No data XXXX Failure to report consistent adverse ratings violates XXXX ( a ) ( XXXX ) ( A ) reasonable reinvestigation requirement. 

XXXX. Payment History Contradictions TransUnion : No history available Equifax : XXXX made 100 % of payments on time Experian : No history available It is logically impossible for an account with no payment history to also report perfect payment history. This is an FCRA XXXX ( b ) violation. 

Requested Action : Pursuant to FCRA XXXX ( a ), I demand : A full reinvestigation and resolution within XXXX  days of your receipt of this dispute. 

If verified as accurate, a XXXX XXXX XXXX  ( XXXX ( a ) ( XXXX ) ( B ) ( XXXX ) ) within XXXX  days of verification, detailing : The name and contact information of the furnisher or verifier The method used to verify the data The specific source ( XXXX ) relied upon for verification If you can not verify this account with 100 % factual accuracy and consistency, it must be deleted in its entirety from my credit file. 

Preservation of Rights : This letter does not waive any rights or remedies available to me under federal or state law. I reserve the right to pursue litigation for statutory and actual damages, as well as attorneys fees, should violations of the FCRA continue. 

Enclosures : Copy of State-issued ID ( Proof of Identity ) Recent Bank Statement ( Proof of Address ) Screenshots of credit report inconsistencies Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief