Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
Re : Formal Factual Dispute Under FCRA 1681e ( b ), 1681i, and 1681s-2 Request for Deletion or Correction and Full Reinvestigation Disclosure Dear Credit Bureau , This is a formal dispute and demand under the Fair Credit Reporting Act ( FCRA ) concerning several specific factual inaccuracies in my credit file. This is not a blanket dispute, but is based on documented discrepancies across the three major consumer reporting agencies that directly violate your obligation under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy. Pursuant to 15 U.S.C. 1681i, I demand a full reinvestigation of these accounts, and I explicitly do not authorize the use of automated e-Oscar or similar systems. I require a thorough, manual, independent review using direct records obtained from the original creditors, along with copies of all documents used to verify these accounts. 
________________________________________ 1. XXXX XXXX XXXX XXXX Charge-Off ~ {$7900.00} Experian : Reports this XXXX  account opened XX/XX/XXXX as a credit card, balance {$7900.00}, charged off. 
TransUnion : Also reports it as a credit card, opened XX/XX/XXXX, balance {$7900.00}, charged off as of XX/XX/XXXX. 
Equifax : Does not report this {$7900.00} XXXX account at all. 
FCRA Basis : This inconsistency violates 1681e ( b ) by undermining the required standard of maximum possible accuracy and completeness. It raises questions of verifiability under 1681i.

________________________________________ 2. XXXX XXXX XXXX XXXX XXXX XXXX ~ {$39000.00} Equifax : Reports this as a debt consolidation loan opened XX/XX/XXXX, balance {$39000.00}, charged off. 
TransUnion : Also reports this as an installment loan, same open date and balance. 
Experian : Does not report this account at all.

FCRA Basis : Missing entirely from Experian, which violates the uniformity expected under 1681e ( b ). If this debt is valid, it should be uniformly reported or else removed.

________________________________________ 3. XXXX XXXX Services Charge-Off ~ {$4500.00} vs {$9700.00} Equifax : Shows a JPMCB account opened XX/XX/XXXX, balance {$9700.00}, charged off. 
TransUnion & Experian : Both report a similar XXXX card opened XX/XX/XXXX, balance {$4500.00}, charged off. 
FCRA Basis : Conflicting opening dates and balances violate 1681e ( b ). Under 1681i, I demand a full reinvestigation, and deletion if it can not be accurately verified.

________________________________________ 4. XXXX/ XXXX Charge-Off ~ {$11000.00} Equifax & Experian : Both show this XXXX account opened XX/XX/XXXX, balance {$11000.00}, charged off. 
TransUnion : Does not report this account at all. 
FCRA Basis : The absence on TransUnion undermines consistent reporting under 1681e ( b ) and requires proper reinvestigation under 1681i.

________________________________________ Formal FCRA Requests : 1. Conduct a complete reinvestigation under 15 U.S.C. 1681i.

2. Delete or fully correct these accounts if they can not be substantiated with complete original documentation ( contracts, payment records, charge-off letters ).

3. Provide me with a full description of your reinvestigation procedures under 1681i ( a ) ( 6 ) ( B ) ( iii ).

4. Supply copies of all records you obtained from furnishers used to verify these accounts.

________________________________________ I am enclosing copies of my current credit reports from each bureau demonstrating these discrepancies, as well as copies of my drivers license, Social Security card, a recent bill to verify my identity.

Thank you for your prompt attention. I expect your investigation results, procedure descriptions, and supporting documents within the time required by the FCRA. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation