Consumer complaint received 2025-08-15 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: GA

Complaint narrative:
CFPB Complaint XXXX XXXX  / Credit Reporting Inaccuracies Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX for furnishing inaccurate information to Experian, Equifax, and TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ), including XXXX ( b ) ( XXXXXXXX XXXX XXXX ( b ) ) and XXXX ( a ) ( XXXX ) ( A ) ( XXXX XXXX. XXXX ). 

I previously disputed the XXXX XXXX tradeline directly with the credit bureaus, providing specific details of the inaccuracies. Despite this, the bureaus verified the account, and XXXX provided only billing statements which do not substantiate or verify the accuracy of the reported tradeline fields. 

Inaccuracies include : Date Last Active inconsistent across all three bureaus. 

High Credit inconsistent across bureaus. 

XXXX XXXX inconsistent across bureaus. 

Payment status history conflicts ( e.g., OK months while marked as XXXX ). 

Date of Last Payment inconsistent across bureaus. 


Evidence of Harm : On XX/XX/year>, I was denied an XXXX XXXX  XXXX as a direct result of this inaccurate reporting. This constitutes actual damages under the FCRA. 

Requested Resolution : XXXX correction or deletion of the XXXX XXXX tradeline across all three bureaus. 

Written confirmation of corrections/deletion sent to me. 

Compensation for actual damages. 


Attachment : Exhibit A XXXX XXXX XXXX  denial dated XX/XX/year>. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX -- - Next is Step Heres Step XXXX CFPB Complaint Statement from your package, XXXX. 
This is the exact text you can paste into the CFPB online complaint portal. 


-- - CFPB Complaint XXXX XXXX  / Credit Reporting Inaccuracies Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX for furnishing inaccurate information to Experian, Equifax, and TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ), including XXXX ( b ) XXXX XXXX XXXX XXXX ( b ) ) and XXXX ( a ) ( XXXX ) ( A ) ( XXXX XXXX. XXXX ). 

I previously disputed the XXXX XXXX tradeline directly with the credit bureaus, providing specific details of the inaccuracies. Despite this, the bureaus verified the account, and XXXX provided only billing statements which do not substantiate or verify the accuracy of the reported tradeline fields. 

Inaccuracies include : Date Last Active inconsistent across all three bureaus. 

High Credit inconsistent across bureaus. 

XXXX XXXX inconsistent across bureaus. 

Payment status history conflicts ( e.g., OK months while marked as XXXX ). 

Date of Last Payment inconsistent across bureaus. 


Evidence of Harm : On XX/XX/year>, I was denied an XXXXXXXX XXXX XXXX as a direct result of this inaccurate reporting. This constitutes actual damages under the FCRA. 

Requested Resolution : XXXX correction or deletion of the XXXX XXXX tradeline across all three bureaus. 

Written confirmation of corrections/deletion sent to me. 

Compensation for actual damages. 


Attachment : Exhibit A XXXX XXXX  XXXX  denial dated XX/XX/year>. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX -- - Next is Step XXXX Demand Letter for {$17000.00} to XXXX XXXX XXXX and Registered Agent. 
Do you want me to paste that now? This one is the power letter. 

XXXX XXXX XXXX CFPB Complaint XXXX from your package, XXXX. 
This is the exact text you can paste into the CFPB online complaint portal. 


-- - CFPB Complaint XXXX XXXX  / Credit Reporting Inaccuracies Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX for furnishing inaccurate information to Experian, Equifax, and TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ), including XXXX ( b ) ( XXXX XXXX XXXX ( b ) ) and XXXX ( a ) ( XXXX ) ( A ) ( XXXX XXXX. XXXX ). 

I previously disputed the XXXX XXXX tradeline directly with the credit bureaus, providing specific details of the inaccuracies. Despite this, the bureaus verified the account, and XXXX provided only billing statements which do not substantiate or verify the accuracy of the reported tradeline fields. 

Inaccuracies include : Date Last Active inconsistent across all three bureaus. 

High Credit inconsistent across bureaus. 

XXXX XXXX inconsistent across bureaus. 

Payment status history conflicts ( e.g., OK months while marked as XXXX ). 

Date of Last Payment inconsistent across bureaus. 


Evidence of Harm : On XX/XX/year>, I was denied an XXXX XXXX XXXX as a direct result of this inaccurate reporting. This constitutes actual damages under the FCRA. 

Requested Resolution : XXXX correction or deletion of the XXXX XXXX tradeline across all three bureaus. 

Written confirmation of corrections/deletion sent to me. 

Compensation for actual damages. 


Attachment : Exhibit A XXXX XXXX XXXX  denial dated XX/XX/year>. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX -- - Next is Step XXXX Demand Letter for {$17000.00} to XXXX XXXX XXXX and Registered Agent. 
Do you want me to paste that now? This one is the power letter. 

XXXX XXXX XXXX CFPB Complaint XXXX from your package, XXXX. 
This is the exact text you can paste into the CFPB online complaint portal. 


-- - CFPB Complaint XXXX XXXX  / Credit Reporting Inaccuracies Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX for furnishing inaccurate information to Experian, Equifax, and TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ), including XXXX ( b ) ( XXXXXXXX XXXX XXXX ( b ) ) and XXXX ( a ) ( XXXX ) ( A ) ( XXXX XXXX. XXXX ). 

I previously disputed the XXXX XXXX tradeline directly with the credit bureaus, providing specific details of the inaccuracies. Despite this, the bureaus verified the account, and XXXX provided only billing statements which do not substantiate or verify the accuracy of the reported tradeline fields. 

Inaccuracies include : Date Last Active inconsistent across all three bureaus. 

High Credit inconsistent across bureaus. 

XXXX XXXX inconsistent across bureaus. 

Payment status history conflicts ( e.g., OK months while marked as XXXX ). 

Date of Last Payment inconsistent across bureaus. 


Evidence of Harm : On XX/XX/year>, I was denied an XXXX XXXX  XXXX as a direct result of this inaccurate reporting. This constitutes actual damages under the FCRA. 

Requested Resolution : XXXX correction or deletion of the XXXX XXXX tradeline across all three bureaus. 

Written confirmation of corrections/deletion sent to me. 

Compensation for actual damages. 


Attachment : Exhibit A XXXX XXXX  XXXX denial dated XX/XX/year>. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CFPB Complaint XXXX Card / Credit Reporting Inaccuracies Summary of Complaint : I am filing this complaint against XXXX XXXX XXXX for furnishing inaccurate information to Experian, Equifax, and TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ), including XXXX ( b ) ( XXXXXXXX XXXX XXXXXXXX ( b ) ) and XXXX ( a ) ( XXXX ) ( A ) ( XXXX XXXX. XXXX ). 

I previously disputed the XXXX XXXX tradeline directly with the credit bureaus, providing specific details of the inaccuracies. Despite this, the bureaus verified the account, and XXXX provided only billing statements which do not substantiate or verify the accuracy of the reported tradeline fields. 

Inaccuracies include : Date Last Active inconsistent across all three bureaus. 

High Credit inconsistent across bureaus. 

XXXX XXXX inconsistent across bureaus. 

Payment status history conflicts ( e.g., OK months while marked as XXXX ). 

Date of Last Payment inconsistent across bureaus. 


Evidence of Harm : On XX/XX/year>, I was denied an XXXX XXXX  XXXX  as a direct result of this inaccurate reporting. This constitutes actual damages under the FCRA. 

Requested Resolution : XXXX correction or deletion of the XXXX XXXX tradeline across all three bureaus. 

Written confirmation of corrections/deletion sent to me. 

Compensation for actual damages. 


Attachment : Exhibit A XXXX XXXX  XXXX  denial dated XX/XX/year>. 

Contact Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation