Consumer complaint received 2025-08-17 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: IL

Complaint narrative:
Formal FCRA Dispute Removal Request for XXXXXXXX XXXX  Accounts XXXX XXXX XXXX XXXX XXXX XXXX, Il XXXX Date XX/XX/year> To : Experian, Equifax, TransUnion PLEASE READ THIS LETTER IN FULL. I HAVE SURVIVED THE XXXX XXXX. XXXX XXXX. 

Subject : Formal Dispute Under FCRA 607 ( b ), 611, and 623 Removal Request for XXXXXXXX XXXX  Accounts Dear Experian, Equifax, TransUnion CPFB I am writing to formally dispute two collection accounts being reported by XXXX XXXX XXXX on my credit file. The accounts in question are : XXXX. XXXX XXXX XXXX {$1200.00} XXXX. XXXX XXXX XXXX {$1700.00} These debts originated from credit accounts with * * XXXX XXXX * * and XXXX XXXX XXXXXXXX * *. At the time these accounts were closed by the original creditors, * * I was not delinquent * * and had no late payments reported. My payment history was in good standing. 

In ALSO I contacted both XXXX XXXX XXXX XXXX and XXXX XXXX to inform them of my * * XXXX XXXX diagnosis * * and that I was undergoing * * active XXXXXXXX XXXX * *. I did not request account closure. I reached out seeking assistance and understanding while I was battling a serious medical condition. Instead of offering hardship assistance, creditor * * immediately closed my accounts and sold them to XXXX XXXX * * without warning, even though I had not missed payments. This caused severe financial and emotional harm during an already devastating time. 

The reporting of these accounts as collections is * * false, misleading, and incomplete * *, and therefore in violation of : - * * FCRA 607 ( b ) * * The obligation of credit bureaus to assure maximum possible accuracy in reporting. 
- * * FCRA 623 ( a ) ( 1 ) ( A ) * * The prohibition against furnishing information known to be inaccurate.

- * * FCRA 611 * * The right to a reasonable reinvestigation of disputed information.

Because I was never late or delinquent prior to the creditors decision to close the accounts, the classification of these as defaulted and in collections is factually inaccurate. I request that you * * immediately delete both XXXX XXXX XXXX accounts * * from my credit reports. 

* * Evidence Provided : * * If you want, I can send my medical record and File along with photos of the XXXX that was removed. 

If these accounts can not be verified with original creditor records proving that I was late or delinquent prior to closure, they must be removed from my credit file in accordance with the FCRA. 

Failure to remove or correct this information will result in my filing formal complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, the * * Federal Trade Commission ( FTC ) * *, and my * * State Attorney Generals Office * *, as well as considering legal action to recover damages for the harm caused. 

Please treat this as a formal dispute and respond with the results of your reinvestigation within 30 days as required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief