Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : XXXX XXXX XXXX XXXX  XXXX XXXX Violations of FCRA, Regulation F, and XXXX  Consumer Protection Statutes To Whom It May Concern, I am filing this complaint regarding the account XXXX Bank XXXX XXXX XXXX XXXX TransUnion , Experian, and Equifax. After reviewing all furnished data, I identified multiple inconsistencies, violations of federal law ( FCRA and Regulation F ), and violations of consumer protection statutes applicable in the State of XXXX. The reported information is inaccurate, incomplete, inconsistent, and can not be properly verified. 

XXXX. Violations of the Fair Credit Reporting Act ( FCRA ) FCRA 1681e ( b ) The credit bureaus failed to maintain reasonable procedures to assure maximum possible accuracy. 
Across the XXXX bureaus, the following data conflicts : Different Date of Last Payment Different Recent Payment Amount ( {$210.00} shown inconsistently ) Different Balance Updated dates Inconsistent credit limits ( {$1400.00} {$300.00} {$200.00} ) Missing balance information on Experian and Equifax Contradictory High Balance and account status details These inconsistencies are proof that the information furnished is not accurate nor complete, violating 1681e ( b ).

FCRA 1681i Failure to conduct a proper reinvestigation TransUnion shows : Completed investigation of FCRA dispute consumer disagreed, which is not a valid reinvestigation result. 
The furnisher did not provide : Documentary proof Signed records Payment history validation Credit limit verification This is a violation of 1681i and the Furnisher Rule. 

XXXX. Violations of Regulation F 12 CFR Part 1006 ( Debt Collection ) Regulation F requires furnishers and collectors to : Report only complete, consistent, and accurate information Update and correct previously furnished data Avoid furnishing information that is known to be false or can not be verified XXXX and the bureaus violated Regulation F because the information furnished is : Inconsistent across all three bureaus Missing required fields Contradictory in dates, limits, balances, and status Previously disputed but not corrected Under Regulation F 1006.30, furnishers must not communicate inaccurate information and must have reasonable policies to ensure accuracy. They did not. 

XXXX. Violations of XXXX  Law ( State of XXXX Statutes ) XXXX XXXX XXXXXXXX Consumer Collection Practices Act ( FCCPA ) It is unlawful to : Communicate false, deceptive, or misleading information regarding a consumer debt ( 559.72 ( 9 ) ) Continue reporting information that is known to be inaccurate, disputed, or unverifiable Fail to correct inaccurate information once notified XXXX and the bureaus are in violation of the FCCPA by : Furnishing conflicting and unverifiable data Failing to correct errors after notification Continuing to report contradictory information FS 501.204 XXXX  Deceptive and Unfair Trade Practices Act ( FDUTPA ) Reporting inconsistent, misleading, or incomplete credit data constitutes an unfair and deceptive act, because it affects a consumers ability to obtain credit, rental approval, and financial opportunities in XXXX. 

XXXX. Requested Action I request that the CFPB demand from XXXX and the bureaus : A full reinvestigation Production of real documentation validating every field being reported Immediate correction or deletion of any data that can not be proven accurate, complete, and consistent across all bureaus If XXXXXXXX XXXX XXXX  can not validate : Payment history Dates Credit limit changes Account status Balance figures High balance numbers Then the account must be removed under FCRA, Regulation F, and XXXX  consumer protection statutes. 

Thank you for your attention. I request written confirmation once the review is complete. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief