Credit reporting or other personal consumer reports — EQUIFAX, INC. (MI)

Account information incorrect. I am disputing a XXXX XXXX XXXX charge-off that is inaccurately reported on my Equifax credit report. This account is reported by Equifax and XXXX, but not by XXXX creating a clear discrepancy and suggesting the account may be either inaccurate or unverifiable. Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to maintain accurate, complete, and verifiable information ( Sections 607 ( b ), 611, and 602 ( a ) ). If this account is legitimate, it should appear consistently across all bureaus. I submitted a written dispute to Equifax along with supporting documentation : proof of identity, my TransUnion report showing the absence of the account, and a screenshot of my Equifax report where the XXXX XXXX charge-off appears. Despite this,