Consumer complaint received 2025-09-04 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Email : XXXX Phone : XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Equifax Information Services LLC XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate, Incomplete, and Inconsistent Reporting XXXX  XXXX ( Account No. XXXX ) Dear Credit Bureau Representative, This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. regarding the XXXX XXXX account referenced above. The reporting across TransUnion, Equifax, and Experian contains material inconsistencies, inaccuracies, and incompleteness that directly violate my rights under federal law. 

Documented Inconsistencies 1.Date of Last Activity TransUnion & Experian : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX Type TransUnion & Experian : Credit Card Equifax : Blank 3.Remarks / Account Status TransUnion : Blank Equifax : Charged-off account Experian : Unpaid balance reported as a loss by credit grantor ; account closed at credit grantors request XXXX History ( XX/XX/XXXX Days Late ) TransUnion : XXXX Equifax : XX/XX/XXXX ( mathematically impossible ) Experian : XXXX ( mathematically XXXX ) XXXX Reviewed TransUnion : XXXX Equifax & Experian : XXXX XXXX Balance TransUnion : {$3400.00} Equifax : {$1600.00} Experian XXXX {$0.00} XXXX Credit TransUnion : {$3000.00} Equifax : {$0.00} Experian : {$3000.00} XXXX History TransUnion : No history available Equifax : 50 % on-time Experian : 36 % on-time CFPB.gov Disputes Carry the Same Legal Weight as Direct Disputes Pursuant to FCRA 623 ( a ) ( 8 ) [ 15 U.S.C. 1681s-2 ( a ) ( 8 ) ], disputes submitted through the Consumer Financial Protection Bureau ( CFPB.gov ) complaint portal must be treated with the same legal effect and obligations as disputes submitted directly to a consumer reporting agency or furnisher. 

Therefore, the credit bureaus can not lawfully downgrade, delay, or treat CFPB.gov disputes differently than direct disputes. All statutory duties under FCRA 607 ( b ), 611, and 623 apply equally, including the 30-day reinvestigation requirement and the duty to delete unverifiable or inconsistent information.

Applicable Law, Guidance, and Case Law FCRA 607 ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) : Reinvestigation must be completed within 30 days.

FCRA 611 ( a ) ( 5 ) ( A ) : Unverifiable or contradictory information must be deleted.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : If verified, the bureau must provide a Method of Verification ( M.O.V. ), including : Furnishers name Furnishers address Furnishers telephone number Exact records relied upon FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

FCRA 623 ( a ) ( 8 ) : CFPB.gov disputes are legally equivalent to direct disputes. 
CFPB XXXX XXXX : CRAs must conduct reasonable investigations and not rely solely on furnishers. 
FTC XXXX XXXX XXXX ( XXXX, XXXX ) : Unverifiable or inconsistent data must be deleted. 
XXXX v. TransUnion, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : CRAs must perform independent investigations. 
XXXX v. Equifax, XXXX XXXX XXXX : Failure to meet timelines requires deletion. 

Demand for Action Immediate Deletion of the XXXX XXXX account across all three bureaus due to factual impossibilities, unlawful reporting, and irreconcilable inconsistencies. 
If verified, provide a Method of Verification ( M.O.V. ) within 15 days of the verification notice, including full details as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Deadlines 30 days : Reinvestigation must be completed with written results.

15 days : M.O.V. must be provided if verified.

Preservation of Rights If violations continue, I will escalate this matter through the CFPB, FTC, and private legal action for statutory damages under FCRA 616617. This letter serves as formal notice of my preservation of rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation