Consumer complaint received 2025-08-17 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: NJ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to dispute the accuracy and completeness of the reporting of the account listed below, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Creditor/Account Name : XXXX XXXX  Account Number : XXXX This account contains multiple inconsistencies and inaccuracies across Equifax and Experian which violate the FCRAs requirements for maximum possible accuracy ( 1681e ( b ) ) and trigger your duty to reinvestigate ( 1681i ). 

Specifically : Reported Inconsistencies & Errors Date of Last Activity TransUnion & Experian report XX/XX/XXXX. 
Equifax reports XX/XX/XXXX. 
These materially conflicting dates render the account unverifiable and misleading. 

XXXX XXXX XXXX TransUnion : XXXX ( no lates ). 
Equifax : XX/XX/XXXX ( factually impossible ). 
Experian : XX/XX/XXXX ( factually impossible ). 
Reporting impossible delinquency sequences violates FCRA 1681e ( b ) ( failure to ensure accuracy ). Courts have ruled such inaccuracies actionable. XXXX XXXX XXXX Trans Union XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Months Reviewed TransUnion : XXXX. 
Equifax : XXXX. 
Experian : XXXX. 
Conflicting account durations undermine reliability. High Balance TransU
nion & Equifax : {$500.00}. 
Experian : {$0.00}. 
XXXX balance reporting contradicts other bureaus data, violating 1681i ( a ) ( duty to reinvestigate ). 

High Credit TransUnion & Experian : {$350.00}. 
Equifax : {$0.00}. 
Materially inconsistent data misrepresents account terms.

Payment History TransUnion : No history available. 
Equifax : 100 % on-time. 
Experian : 0 % on-time. 
These irreconcilable contradictions are highly prejudicial, violating FCRA 1681e ( b ) and supporting case law such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Legal Basis FCRA 1681e ( b ) : CRAs must assure maximum possible accuracy.

FCRA 1681i : CRAs must reinvestigate disputed information within 30 days.

FCRA 623 ( a ) ( 8 ) : Direct disputes submitted through CFPB.gov must be treated identically to disputes submitted directly to CRAs. 

Case Law : Courts consistently hold that materially misleading or contradictory reporting violates the FCRA XXXX XXXX XXXX Trans Union, XXXXXXXX XXXX XXXX XXXX XXXX 

My Demands Conduct a full reinvestigation of this account.

Provide a Method of Verification ( MOV ) per 1681i ( a ) (
6 ) ( B ) ( iii ) within 15 days if you verify the account as accurate.

Correct or delete all inconsistent, inaccurate, and unverifiable information.

Ensure all future reporting reflects accurate, consistent, and legally compliant data.

Deadlines 30 days from receipt for reinvestigation ( per 1681i ).

15 days for Method of Verification if verified as accurate. 

Preservation of Rights If you fail to comply, or if inaccurate information continues to be reported, I reserve the right to pursue all available remedies under the FCRA, including but not limited to civil litigation for statutory, actual, and punitive damages, as well as attorneys fees. 
I expect your prompt attention to this matter in full compliance with federal law. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation