Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Dear CFPB Representative, I am writing to formally request your intervention regarding an issue with Equifax Information Services LLC. My XXXX XXXX account was erroneously removed from my credit report without my authorization or proper documentation, which has resulted in a significant and documented drop of XXXX points in my credit score ( as reported by XXXX XXXX on XX/XX/year> ). I believe that this action by Equifax is in direct violation of several federal consumer protection laws. 

Applicable Laws and Violations Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e : Mandates that credit reporting agencies maintain reasonable procedures to ensure maximum accuracy. The unjustified removal of a valid account clearly violates this mandate.

15 U.S.C. 1681i : Requires a reasonable investigation when consumers dispute information on their credit reports, and obligates agencies to restore any information that is found to be inaccurate or unverified. The removal of my account without proper investigation is a direct violation of this requirement. 

15 U.S.C. 1681s-2 : Imposes an obligation on consumer reporting agencies to ensure that information furnished by creditors is accurate. Failure to adhere to this obligation further contributes to the violation.

Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA reinforces the FCRAs provisions by ensuring that consumers have the right to dispute and correct erroneous information. The unauthorized removal of my account, without prior notice or proper validation, is inconsistent with the protections provided under FACTA. 

Background and Dispute Overview Account Name/Type : XXXX XXXX  Date of Removal : Documented on XX/XX/year> Credit Impact : A drop of XXXX points in my credit score Issue : The removal of my XXXXXXXX XXXX  account was conducted without my consent or the requisite verification, thereby breaching the statutory requirements outlined in the FCRA and FACTA. 

Requested Actions Immediate Reinstatement of the Account : I request that Equifax immediately reinstate the XXXX XXXX account with all verified and accurate information exactly as it was prior to its removal. 

Complete Verification and Documentation : I demand that Equifax provide all documentation and a detailed explanation of the process used to justify the removal of this account. If the deletion was initiated by a creditor or another third party, I expect to receive evidence of their authorization. 

Rectification of My Credit Report : I request that Equifax promptly update my credit report to restore the full account details, including any positive payment history, and notify all relevant third parties of the corrections in compliance with federal law. 

Written Confirmation : I further request written confirmation that these corrective measures have been executed and that my credit file now accurately reflects all valid information as required by law. 

Due to the serious negative impact this erroneous removal has had on my creditworthiness, I respectfully ask for the CFPBs assistance in ensuring that Equifax resolves this matter in full compliance with all applicable laws. Should Equifax fail to act within the statutory timeframe, I am prepared to pursue further legal remedies to protect my rights under the FCRA and FACTA. 

Enclosed are copies of supporting documentation, including : A screenshot from XXXX XXXX indicating the removal date and the corresponding score drop, and a screenshot of the account still on the Equifax Report as of XXXX. 

A copy of my most recent credit report from Equifax reflecting the absence of the XXXX XXXX account. 

Picture of my SSN -for identification purposes Thank you for your prompt attention to this matter. I look forward to your assistance in securing a fair resolution and ensuring that my credit report is restored accurately. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation