Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
To : TransUnion LLC Equifax Information Services LLC Experian Information Solutions Inc . 

From : Name : XXXX XXXX XXXX XXXX : XX/XX/XXXXXXXX  SSN ( Last 4 Digits ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Email : XXXX Phone : XXXX Note : Please disregard my previous dispute regarding the XXXX account. That dispute was submitted in error due to a misidentification of the creditor. The correct account in question is XXXX XXXX XXXX XXXX, and this dispute is intended to address the inaccuracies related to that account. 

RE : Dispute of Inaccurate XXXX XXXX XXXX XXXX Account Reporting Account Name/Number : XXXX XXXX XXXX XXXX / XXXX ( and XXXX ) Dear Compliance Department, I am formally disputing the reporting of the above-referenced account with XXXX XXXX XXXX XXXX, which appears on my credit report with serious and unacceptable inconsistencies across all three credit bureaus. These inconsistencies violate the Fair Credit Reporting Act ( FCRA ) and call into question the accuracy and integrity of the data you are furnishing to lenders and scoring models. 

1. Key Inconsistencies Identified Account Number : TransUnion reports : XXXX Equifax and Experian report : XXXX XXXX. Balance : TransUnion reports : {$5200.00} Equifax and Experian report : {$5200.00} XXXX. Last Activity Date : TransUnion and Experian report : XX/XX/XXXXXXXX  Equifax reports : XX/XX/XXXXXXXX  XXXX. Remarks : TransUnion reports : ( Blank ) Equifax reports : Credit Card Experian reports : Account Delinquent 90 Days Past Due 5. Times 30/60/90 Days Late : TransUnion reports : XXXX Equifax reports XXXX XXXX Experian reports : XXXX XXXX. Months Reviewed : TransUnion reports : XXXX Equifax reports : XXXX Experian reports : XXXX XXXX. Monthly Payment : TransUnion reports : {$100.00} Equifax and Experian report : {$100.00} XXXX. Current Payment Status : TransUnion reports : Late 60 Days Equifax reports : Late 90 Days ( but reflects no 90-day lateness in breakdown ) Experian reports : Late 90 Days 9. On-Time Payment Percentage : TransUnion reports : 80 % Equifax reports : 77 % Experian reports : 73 % 10. Amount Past Due : TransUnion reports : {$290.00} Equifax and Experian report : {$400.00} Legal Basis for Dispute These discrepancies directly violate the following provisions of the Fair Credit Reporting Act : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : CRAs must maintain reasonable procedures to ensure maximum possible accuracy. 

FCRA 611 ( a ) [ 15 U.S.C. 1681i ] : You are required to conduct a proper reinvestigation of disputed information.

FCRA 602 ( A ) ( 1 ) : Asserts the importance of accurate credit reporting in maintaining fair consumer treatment.

Case Law : Cortez v. TransUnion, LLC, 617 F.3d 688 ( XXXX Cir. XXXX ) the court held that failing to ensure consistency and accuracy can constitute willful noncompliance. 

XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) reinforced the importance of accuracy in consumer reports. 

The inconsistent account number alone ( TransUnion reporting XXXX while Equifax and Experian report XXXX ) is a red flag that raises identity mix-up concerns and compromises the validity of the entire entry. 

Requested Action I demand the following : A full reinvestigation into this account.

Immediate removal or correction of the account across all bureaus if verified data can not be made 100 % accurate, complete, and consistent.

If the account is verified as accurate, provide a Method of Verification ( M.O.V. ) under FCRA 611 ( a ) ( 7 ), including : The name of the party that verified the data.

The method used to verify it. 
Documentation and evidence supporting each disputed data point. 

Additional Notes I am submitting this dispute via XXXXXXXX to ensure official documentation and follow-up. 
A copy of my ID and proof of address will be uploaded as needed. 

Any failure to correct or verify this information properly may result in formal complaints and legal action for violation of the FCRA.

I expect resolution of this matter within 30 days as required by law. Please confirm your receipt of this dispute and provide the final outcome in writing to the contact information listed above. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief