Consumer complaint received 2025-06-08 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 XXXX XXXX XXXX  XXXX, OH XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN ( last XXXX ) : XXXX XX/XX/XXXX To : TransUnion XXXX. XXXX XXXX XXXX, PA XXXX XXXX  XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of XXXXnaccurate Credit Reporting XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) NOTE : Please disregard the previous submission sent on XX/XX/XXXX, in error. It mistakenly listed XXXX XXXX XXXX as the consumer. This is the correct dispute for XXXX XXXX, SSN ending in XXXX, XXXX XX/XX/XXXX. 

Dear TransUnion, Experian, and Equifax, I am writing to formally dispute the accuracy, completeness, and consistency of the XXXX XXXX XXXX account ( Account XXXX  XXXX ) as reported on my credit file. After reviewing my credit reports from all three bureausTransUnion, Equifax, and ExperianI have identified numerous factual inconsistencies in how this account is being reported. These discrepancies raise serious questions about the accuracy of the data being furnished and represent violations of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S. Code 1681e ( b ) and 1681i ( a ). 

Specific Inconsistencies Identified : Balance Amount : TransUnion & Experian : {$7100.00} Equifax : {$7200.00} High Balance : TransUnion : {$15000.00} Equifax : {$7200.00} Experian : {$15000.00} Last Activity Date : TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX Account Type : TransUnion XXXX XXXX XXXX Equifax XXXX Experian : Automobile Remarks : TransUnion : Blank Equifax : Charged Off Account Experian : Unpaid Balance Reported As A Loss By XXXX XXXX Delinquency History ( XX/XX/XXXX Days Late ) : TransUnion : XXXX Equifax : XXXX Experian : XXXX Months Reviewed : TransUnion : XXXX Equifax : XXXX Experian : XXXX Payment History Reporting : TransUnion : No history available Equifax : You've made 83 % of payments for this account on time Experian : You've made 52 % of payments on time Legal Basis for Dispute Under FCRA 1681e ( b ), credit reporting agencies are required to ensure all information is reported with maximum possible accuracy. The conflicting data above clearly fails this standard. 

I am also invoking my rights under FCRA 1681i ( a ) ( 1 ) ( A ) to request a full reinvestigation of this account.

Method of Verification ( M.O.V. ) Request If this account is verified as accurate, I formally request the Method of Verification, pursuant to FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Please provide : A detailed description of the verification process The name and contact info of the party who verified it Proof of the last activity and last payment date An explanation for the conflicting high balances and delinquency history Details on how on-time payment percentages were calculated Supporting Case Law Cushman v. TransUnion Corp. , 115 F.3d 220 ( 3rd Cir. 1997 ) CRAs must do more than passively accept data from furnishers. 
Koropoulos v. Credit Bureau , Inc., 734 F.2d 37 ( D.C. Cir. 1984 ) Even technically accurate data that is misleading is considered inaccurate under FCRA. 
Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) Inconsistent or misleading credit information violates the FCRA. 

Requested Action If this account can not be fully verified with documented proof and corrected for consistency across all bureaus, it must be deleted from my file. I request written results of the reinvestigation within 30 days in accordance with FCRA. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation