Consumer complaint received 2025-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX of XXXX. XXXX XXXX Non-Domestic XXXX, Nebraska XXXX XXXX [ XXXX ] XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax XXXX. XXXX XXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting XXXX XXXX Account ( Paid in Full ) Dear Credit Bureau Representative, I am formally disputing the accuracy and completeness of information reported on my credit file regarding the following account : Creditor : XXXX XXXX Account Number : XXXX Reported Status : Collection Paid in Full This entry is inaccurate and misleading. The account is reported as Paid in Full but remains labeled as a Collection. The dual reporting is contradictory and creates a false impression that an active collection exists.

Applicable Laws and Authority 1. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) Requires credit bureaus to conduct a reasonable reinvestigation of disputed information within 30 days and delete or correct any inaccurate or incomplete data.

2. FCRA, 15 U.S.C. 1681e ( b ) Mandates that consumer reporting agencies maintain maximum possible accuracy in credit reports. Listing a paid account as an ongoing collection violates this standard.

3. FCRA, 15 U.S.C. 1681s-2 ( b ) Obligates the furnisher of information ( XXXX XXXX XXXX to investigate and correct any reported data found to be inaccurate or incomplete after notice of dispute. 
4. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e ( 8 ) Prohibits any party ( including furnishers ) from reporting false credit information, including failing to update the status of a debt that has been paid.

5. Consumer Financial Protection Bureau ( CFPB ) Guidance Requires furnishers and bureaus to ensure prompt and accurate updates when debts are paid, to prevent deceptive or misleading reporting.

Request for Correction and Expedited Action Pursuant to my rights under the FCRA and FDCPA, I hereby request that you : 1. Immediately reinvestigate this account with XXXX XXXX. 
2. Remove or correct the Collection designation to accurately reflect that the account is paid and closed.

3. Provide written confirmation of the results of your investigation within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ).

In addition, I am formally requesting expedited action due to the verified Paid in Full status. I expect the inaccurate collection label to be updated or removed within 4 business days of receiving this notice. While federal law allows 30 days for formal reinvestigation, the facts and documentation provided justify a good-faith expedited correction to prevent further harm to my credit profile and reputation.

Failure to correct or remove the inaccurate reporting promptly may be deemed a willful violation under 15 U.S.C. 1681n, subjecting the parties responsible to statutory damages. 



Enclosures : Proof of payment from XXXX XXXX Copy of credit report highlighting disputed account Copy of government-issued ID and proof of address Thank you for your prompt attention to this matter. I expect full compliance with the requirements of the FCRA ( 15 U.S.C. 16811681x ) and FDCPA ( 15 U.S.C. 16921692p ) and anticipate confirmation of correction within four ( 4 ) business days from receipt of this notice. 

Sincerely, XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with explanation