Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am submitting this complaint because several accounts on my credit report contain conflicting, inconsistent, or unverified information. I have attempted to dispute these items directly with the credit reporting agencies and with the furnishers, but I have never been provided proper documentation to substantiate the reporting. 

Under the Fair Credit Reporting Act ( FCRA ), credit bureaus and furnishers are required to ensure that all information reported is accurate, complete, and fully verifiable. To date, none of the disputed accounts have been supported by signed contracts, itemized statements, or any form of original-creditor verification. 

Because of the inconsistent data across all three credit bureaus and the lack of proper validation, I am requesting a full reinvestigation and verification of each account listed below. Any account that can not be confirmed with reliable documentation must be removed from my credit file. 

Accounts Containing Conflicting or Unverified Information 1. XXXX XXXX / XXXX Account Ending XXXX XXXX XXXX XXXX XXXX  The information reported for this account is inconsistent across the three major credit bureaus. 
Examples of discrepancies include inconsistent high balances, differing dates of last activity, mismatched reporting dates, and contradictory status remarks such as Charged off as bad debt versus Account closed by credit grantor and Account was in dispute resolved. 

2. XXXX XXXX XXXX Accounts Ending XXXXXXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts show conflicting balances, different dates of last activity, inconsistent reporting dates, and contradictory account statuses including Charged off, Unpaid balance reported as loss, and Consumer disputes this account. 

3. XXXXXXXX XXXX Account Ending XXXXXXXX XXXX XXXX XXXX XXXX  All three credit bureaus list different balances, dates of last activity, and reporting dates. Status notations also conflict, with entries ranging from Charged off as bad debt to Account was in dispute now resolved. 

4. XXXX XXXX Account Ending XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Discrepancies include differing high balances, major inconsistencies in dates of last activity, conflicting reporting dates, and incompatible status remarks such as Transferred or sold versus Charged off as bad debt. 

5. XXXX XXXX Account XXXX XXXX XXXX Balances vary across all three bureaus, dates of activity do not match, and the status notes conflict, including claims of Early termination, Charged off, and Unpaid balance reported as a loss. 

6. XXXX XXXX XXXX Account Ending XXXXXXXX XXXX XXXX Although this account is listed as a collection, the notations differ among the bureaus. Each bureau shows different dispute resolutions and remarks. Under the FDCPA, this furnisher must provide proper validation before reporting. To date, no such validation has been provided. 

7. XXXX XXXX Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Each bureau shows different balance information, dates, and disposition remarks. Status entries contradict each other, with some showing the dispute as resolved while others note that the consumer disagrees with the results. 

8. XXXX XXXX Account Ending XXXX The bureaus report different balances, dates, and dispute remarks, and one bureau does not report the account at all. These inconsistencies show the information is not being reported accurately or consistently. 

9. XXXX Account Ending XXXX Balances, dates, and dispute statuses vary across the credit bureaus. One bureau shows the account with recent activity while another lists older dates, and the remarks contradict one another.

Company response to consumer: Closed with non-monetary relief