Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #15364956
Complaint Overview
Complaint ID: 15364956
Company: Equifax, INC.
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: New York
ZIP Code: 10460
Date Received: 2025-08-18T12:00:00-05:00
Date Sent to Company: 2025-08-18T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXXXXXX To : TransUnion LLC, XXXX XXXX XXXX XXXX, PA XXXX Experian Information Solutions , Inc., XXXX. XXXX XXXX, XXXX, TX XXXX Equifax Information Services, LLC, XXXX. XXXX XXXX, XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX Account Inconsistencies Account in Dispute : XXXX XXXX XXXX Acct # XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Dear TransUnion, Experian, and Equifax, XXXX am formally disputing the accuracy and completeness of the XXXXXXXX XXXX account listed on my credit reports. The information you are reporting contains contradictory, materially inaccurate, and unverifiable data that violates the Fair Credit Reporting Act ( FCRA ) and my rights under federal law. XXXX. Documented Inconsistencies Last Activity : TransUnion : XX/XX/XXXX Equifax : XX/XX/XXXX Experian : XX/XX/XXXX Inconsistent activity dates can not simultaneously be accurate. Original Creditor : TransUnion & Experian : XXXXXXXX XXXX XXXX Equifax : Blank Omission by Equifax constitutes incomplete and inaccurate reporting. Term/Source/Type : All three bureaus : Blank Lack of data is noncompliant with FCRA accuracy obligations. Status : TransUnion & Experian : Charge-off Equifax : Open A single account can not be both charged-off and open. Most Recent Adverse Rating : TransUnion & Experian : Collection/Charge-off Equifax : No data available Material contradictions across agencies violate 607 ( b ). Payment History : TransUnion : No history available Experian : No history available Equifax : 100 % of payments on time These contradictions are factually impossible and misleading. 2. Legal Basis FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : CRAs must follow reasonable procedures to assure maximum possible accuracy. Conflicting entries are unlawful. FCRA 611 ( a ) ( 1 ) ( A ) : Requires reinvestigation of disputed items within 30 days of receipt. FCRA 611 ( a ) ( 5 ) ( A ) : Information that can not be verified must be deleted. FCRA 623 ( a ) ( 8 ) : Disputes filed via CFPB.gov are legally identical to direct disputes. Furnishers and CRAs must investigate and correct accordingly. Case Law : XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX CRAs must conduct reasonable investigations, not simply parrot furnishers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contradictory reporting constitutes inaccuracy. FTC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX ( XXXX XXXX. XXXX ) Misleading reporting is just as unlawful as factually false data. XXXX. Method of Verification ( MOV ) Request If this account is verified, I formally invoke my right to a Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). Within 15 days of verification, provide : The full name, address, and phone number of the furnisher who verified the account. The method used for verification ( manual, electronic, or otherwise ). Copies of original documents relied upon including contract, billing records, payment history, and delinquency records. The date and identity of the verifying party. An explanation of how contradictory bureau reporting was deemed accurate. 4. CFPB Disputes Governed Equally Be advised that disp utes filed through the CFPB portal are governed by the same provisions of the FCRA as direct disputes. FCRA 623 ( a ) ( 8 ) : Furnishers must investigate disputes filed through CRAs or CFPB with equal weight. FCRA 611 ( a ) ( 1 ) ( A ) : CRAs must reinvestigate all disputes within 30 days, regardless of the channel received. XXXX. Action Required Within 30 Days : Delete the XXXX XXXX account unless it can be verified with complete accuracy and consistency. If Verified : Provide a full Method of Verification within 15 days of verification response. 6. Consequences for Noncompliance If you fail to comply, I will : File formal complaints with the CFPB, FTC, and New York Attorney General. Pursue legal action under 15 U.S.C. 1681n and 1681o, seeking statutory damages, actual damages, attorneys fees, and injunctive relief. I reserve all rights available under federal law. Sincerely, XXXX XXXX XXXX
Frequently Asked Questions
What is Complaint #15364956 about?
Complaint #15364956 was filed against Equifax, INC. regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2025-08-18T12:00:00-05:00.
How did Equifax, INC. respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against Equifax, INC.?
Yes, visit the Equifax, INC. company profile at readthecomplaint.com/company/equifax-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.