Consumer complaint received 2025-10-08 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: GA

Complaint narrative:
This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding the accuracy, completeness, and consistency of the above-referenced account appearing on my credit reports. I am invoking my rights under 15 U.S.C. 1681i ( Reinvestigation of Disputed Information ), 1681e ( b ) ( Accuracy of Consumer Reports ), and 1681s-2 ( b ) ( Duties of Furnishers of Information ). 
After reviewing all three of my credit reports, I identified multiple material discrepancies in how this account is being reported by TransUnion, Experian, and Equifax. These differences indicate that at least XXXX or more agencies are reporting inaccurate or unverifiable information. 
Discrepancies Identified XXXX. Account Opening Dates XXXX TransUnion : XX/XX/year> Experian : XX/XX/year> Equifax : XX/XX/year> XXXX. 
The discrepancy in the account opening date between TransUnion and the other XXXX bureaus suggests reporting errors by either the data furnisher or the bureau itself. The date of account opening is a key data point that determines aging and account status, so this inaccuracy violates FCRA 1681e ( b ). 
XXXX. Reporting Date Inconsistencies TransUnion : Last reported XX/XX/year> Experian : Last reported XX/XX/year> Equifax : Last reported XX/XX/year> XXXX. 
Each bureau lists a different reporting date for the same account, making it unclear when the data was verified or updated. This lack of uniformity demonstrates noncompliance with reasonable procedures to assure maximum possible accuracy under 15 U.S.C.

1681e ( b ). 
XXXX. Comment and Narrative Discrepancies TransUnion : Placed for collection. 
Experian : ( No comment provided ). 
Equifax : Subject has not satisfied debt. 
XXXX. 
XXXX. These variations imply that different and conflicting information was furnished to each bureau. XXXX states the account is merely placed for collection, while another implies the consumer failed to satisfy the obligation which misrepresents the true account status. 
This is misleading and a direct violation of FCRA 1681s-2 ( b ).

Date of Last Activity Inconsistency TransUnion : XX/XX/year> Experian : XX/XX/year> Equifax : XX/XX/year> XXXX. 
The reported Date Last Active differs across all three bureaus. This inconsistency alters the perceived timeline of activity and potentially extends the reporting period unfairly a serious violation of the FCRAs accuracy requirements. 
XXXX. Incomplete Payment History No payment history or date of last payment is provided by any bureau, yet the account is being reported as Collection/Charge-Off. 
XXXX. 
If no payment activity exists, the furnisher must validate the accuracy of this reporting under 1681s-2 ( b ). Failure to verify this information within 30 days requires deletion under 1681i ( a ) ( 5 ).

Legal Basis Under the Fair Credit Reporting Act, each consumer reporting agency is legally required to : Maintain accurate, complete, and verifiable data ( 15 U.S.C. 1681e ( b ) ).

Conduct a reinvestigation within 30 days when a consumer disputes information ( 15 U.S.C. 1681i ( a ) ).

Require furnishers to correct or delete information that can not be verified ( 15 U.S.C.

1681s-2 ( b ) ). 
The differences across TransUnion, Experian, and Equifax clearly demonstrate noncompliance with these statutes. Because the reported data is inconsistent, incomplete, and unverifiable, the account can not legally remain on my credit file.

Company response to consumer: Closed with non-monetary relief