Consumer complaint received 2025-06-15 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: MI

Complaint narrative:
Credit Report Dispute Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Date : XX/XX/XXXX To : XXXX  XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Dispute of Inaccurate Charge-Off Reporting Request for Removal Re : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Dear TransUnion, I am writing to formally dispute the accuracy of the derogatory charge-off account reported under the name XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ). Upon reviewing my credit file, I have identified multiple reporting inconsistencies and potential violations of the Fair Credit Reporting Act ( FCRA ) : 1. The account was opened on XX/XX/XXXX, and charged off by XX/XX/XXXX. According to FCRA guidelines, an account must be delinquent for a minimum of 180 days before a charge-off can be legally reported. This required time period was not met.

2. The credit limit and high credit amounts are reported inconsistently across bureaus. Experian shows a {$100.00} credit limit and {$0.00} high credit, while Equifax shows a {$0.00} credit limit and {$160.00} high credit. This lack of consistency violates the FCRAs requirement that data be complete and accurately reported.

3. Payment histories differ or are missing entirely across the three bureaus, particularly with TransUnion showing no history at all. This incomplete reporting undermines the reliability and verifiability of the derogatory status.

4. I request a full reinvestigation into this account and demand removal from my credit file if these issues can not be resolved with verified and consistent documentation from the furnisher.

In accordance with the FCRA, please complete this investigation and notify me in writing of the results. If the information can not be validated, it must be removed entirely from my credit report. 


Sincerely, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX XXXX, XXXX, TX XXXX Subject : Dispute of Inaccurate Charge-Off Reporting Request for Removal Re : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Dear Experian, I am writing to formally dispute the accuracy of the derogatory charge-off account reported under the name XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Upon reviewing my credit file, I have identified multiple reporting inconsistencies and potential violations of the Fair Credit Reporting Act ( FCRA ) : 1. The account was opened on XX/XX/XXXX, and charged off by XX/XX/XXXX. According to FCRA guidelines, an account must be delinquent for a minimum of 180 days before a charge-off can be legally reported. This required time period was not met.

2. The credit limit and high credit amounts are reported inconsistently across bureaus. Experian shows a {$100.00} credit limit and {$0.00} high credit, while Equifax shows a {$0.00} credit limit and {$160.00} high credit. This lack of consistency violates the FCRAs requirement that data be complete and accurately reported.

3. Payment histories differ or are missing entirely across the three bureaus, particularly with TransUnion showing no history at all. This incomplete reporting undermines the reliability and verifiability of the derogatory status.

4. I request a full reinvestigation into this account and demand removal from my credit file if these issues can not be resolved with verified and consistent documentation from the furnisher.

In accordance with the FCRA, please complete this investigation and notify me in writing of the results. If the information can not be validated, it must be removed entirely from my credit report. 


Sincerely, XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX Date : XX/XX/XXXX To : Equifax XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Dispute of Inaccurate Charge-Off Reporting Request for Removal Re : XXXX Account # XXXX * * XXXX * Dear Equifax, I am writing to formally dispute XXXX accuracy of the derogatory charge-off account reported under the name XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ). Upon reviewing my credit file, I have identified multiple reporting inconsistencies and potential violations of the Fair Credit Reporting Act ( FCRA ) : XXXX. The account was opened on XX/XX/XXXX, and charged off by XX/XX/XXXX. According to FCRA guidelines, an account must be delinquent for a minimum of 180 days before a charge-off can be legally reported. This required time period was not met.

2. The credit limit and high credit amounts are reported inconsistently across bureaus. Experian shows a {$100.00} credit limit and {$0.00} high credit, while Equifax shows a {$0.00} credit limit and {$160.00} high credit. This lack of consistency violates the FCRAs requirement that data be complete and accurately reported.

3. Payment histories differ or are missing entirely across the three bureaus, particularly with TransUnion showing no history at all. This incomplete reporting undermines the reliability and verifiability of the derogatory status.

4. I request a full reinvestigation into this account and demand removal from my credit file if these issues can not be resolved with verified and consistent documentation from the furnisher.

In accordance with the FCRA, please complete this investigation and notify me in writing of the results. If the information can not be validated, it must be removed entirely from my credit report. 


Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief