Consumer complaint received 2025-08-09 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Kickoff Lending Account Reporting Inaccuracies To Whom It May Concern : I am writing to dispute inaccurate and misleading information on my Equifax credit report concerning a Kickoff Lending account. This account is reporting multiple critical inaccuracies that materially misrepresent my credit history, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Specifically, the account shows : 5 missed payments Past due amount : {$120.00} Last payment date : XX/XX/XXXX Payment history : Late payments reported for XXXX XX/XX/XXXX, XXXX and XX/XX/XXXX, and a derogatory status for XX/XX/XXXX Account open date : XX/XX/XXXX Unknown status reported for XX/XX/XXXX The reporting of an unknown status during the accounts opening month is an egregious inaccuracy that undermines the credibility of the entire account history reported. Additionally, the pattern of reported late payments and derogatory notations conflicts with my actual payment history and is misleading. 

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers must not report information they know or have reasonable cause to believe is inaccurate. Further, 15 U.S.C. 1681i ( a ) mandates that Equifax conduct a reasonable reinvestigation upon notice of a dispute and promptly correct or delete inaccurate information. 

Relevant case law underscores these protections : In XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), courts held that furnishers who report inaccurate information can be held liable under the FCRA, emphasizing the duty to ensure accuracy. 
In XXXX XXXX TransUnion XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court recognized that credit reporting agencies must conduct meaningful reinvestigations when a consumer disputes information. 
In XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court ruled that failure to correct inaccurate credit information constitutes a willful violation of the FCRA. 

Demand for XXXX XXXX : 1. Conduct a thorough reinvestigation of this XXXX XXXX account. 
XXXX. Remove or correct the unknown status reported for XX/XX/XXXX. 
XXXX. Correct all inaccurate late-payment and derogatory notations in the payment history. 
XXXX. Verify and correct the past due amount and last payment date. 
XXXX. Provide a detailed explanation of the verification process used to confirm the accuracy of this accounts information. 
XXXX. Provide me with an updated credit report reflecting all corrections. 

Failure to comply with the FCRA will leave me no choice but to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau and seeking damages under XXXX XXXX. XXXX & XXXX. 

This letter serves as formal notice under the FCRA. Please respond within 30 days as required by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief