Consumer complaint received 2025-06-07 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXX Dear Equifax Dispute Department XXXX XXXX am writing to dispute the collection account reported by XXXX XXXX XXXX XXXX account number XXXX, balance {$120.00}, opened XX/XX/XXXX and last reported XX/XX/XXXX, which is currently listed on my Equifax credit file.

1. No Contract / No Permissible Purpose To my knowledge, I never entered into any contract or agreement with XXXX XXXX XXXX that would authorize them to furnish derogatory information to credit reporting agencies. Under 15 U.S.C. 1681b ( f ), a furnisher must have a permissible purpose to report an item. Absent any signed policy or billing documentation, this entry violates 1681b and should be deleted.

2. Accuracy Requirement ( 1681e ( b ) ) FCRA 1681e ( b ) requires that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy. This entry lacks itemized charges, a signed contract, any proof I was notified of an obligation, and fails to report a date of last payment. Furthermore, the two-year payment history section on Equifax is completely blank, and no breakdown of the balance is provided. Its continued reporting undermines statutory obligations and misrepresents my credit profile.

3. Reinvestigation Rights ( 1681i ) I request a full reinvestigation of this item and, if you insist this account is accurate, I am invoking my rights under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) and formally request the Method of Verification ( MOV ). This includes : The name, address, and phone number of the furnisher ; A detailed description of the procedures Equifax used to verify the information ; Copies of any documents relied upon in the verification process ; Proof of the Date Last Active as reported ( XX/XX/XXXX ) ; Explanation for the missing Date of Last Payment ; Clarification of why the two-year payment history is blank for this tradeline on my Equifax report XXXX 

4. Harm Caused This inaccurate collection is impairing my ability to obtain affordable housing, favorable loan terms, and essential insurance coverage. As a result, I am suffering actual harm in violation of FCRA 1681o ( negligent noncompliance ). 

XXXX. Supporting Case XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Courts require CRAs to conduct more than superficial verifications and to obtain actual documentation. 

XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : Even small inaccuracies violate the FCRA and can trigger significant liability if not corrected. 

Requested Action Please complete your reinvestigation within the 30-day timeframe allowed by law and either : Delete this entry entirely from my Equifax credit report, or If verified, provide the full MOV documentation and factual support, including all items noted above, in accordance with FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

If Equifax fails to comply, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Virginia Attorney General, and pursue all legal remedies available to me under FCRA 1681no. 

Thank you for your prompt attention. I look forward to receiving your written response. 

Sincerely, XXXX XXXX XXXX : Copy of government-issued ID/Social Security Proof of address Bank Statement Copy of credit report highlighting the disputed entry

Company response to consumer: Closed with non-monetary relief