Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing a complaint against XXXX and XXXX XXXX XXXX, as well as the credit reporting agencies Equifax, Experian, and TransUnion, because both auto accounts contain contradictory, inconsistent, and factually impossible information, yet they were returned as verified. These accounts can not be accurately verified under the Fair Credit Reporting Act ( FCRA ). 

XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis account is reporting major conflicts across the bureaus, including : Different Date Opened Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX Impossible Start Date & Last Activity entries Experian : Last Activity XX/XX/XXXX TransUnion : Last Activity XX/XX/XXXX Experian : Start Date XX/XX/XXXX TransUnion : Start Date XX/XX/XXXX These dates occur years in the future, making verification impossible. 

Conflicting Payment Histories Experian shows lates ( XX/XX/XXXX ) TransUnion shows XXXX late payments Equifax shows no payment history Conflicting Charge-off Timelines Experian ties charge-off to XXXX TransUnion ties charge-off to XXXX A single loan can not have XXXX different charge-off years or XXXX different delinquency histories. 

These contradictions violate FCRA XXXX, XXXX ( b ), XXXX ( a ) and furnisher duties under XXXX. 
The account is legally unverifiable and must be deleted. 

XXXX. XXXX XXXX XXXX XXXX XXXX ( Account enXXXX XXXX XXXX XXXX XXXX XXXX XXXX This account also contains multiple contradictory and impossible entries, including : Different Date Opened Equifax/Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX Different Last Activity Dates Equifax : XX/XX/XXXX Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX These dates differ by 7 months, which is impossible for XXXX account. 

Different Repossession/Closure Information Equifax : Involuntary Repossession Experian : Merchandise taken back by creditor TransUnion : Repossession, with a different closure date Different Last Payment Dates Equifax : XX/XX/XXXX TransUnion : XX/XX/XXXX, which is after the repossession A loan can not show a payment months after the repossession event. 

Conflicting Delinquency Counts Equifax : multiple XXXX lates Experian : XXXX TransUnion : XXXX A repossession account can not be both severely delinquent and not delinquent. 

These issues violate FCRA 607 ( b ), 611, 602, and 623.

The account is not verifiable and must be removed.

FCRA Violations ( Both Accounts ) Both furnishers and the CRAs failed to comply with : FCRA 602 accuracy of reporting FCRA 607 ( b ) maximum possible accuracy FCRA 611 ( a ) reasonable reinvestigation FCRA 623 ( a ) ( 1 ) & ( b ) furnisher duties to provide accurate data and correct errors Case law supports deletion when information is contradictory or unverifiable : XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX, XXXX Harm Suffered These inaccurate tradelines have caused : Denied credit applications Lower XXXX XXXX Higher interest rates Emotional and financial stress Inability to obtain or use credit properly

Company response to consumer: Closed with explanation