Consumer complaint received 2025-02-09 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: TN

Complaint narrative:
Subject : Dispute of Inaccurate Reporting for I C System Collection Account Dear Credit Bureau Representative, I am writing to dispute the inaccurate reporting of my I C System collection account ( original creditor : XXXX XXXX  ) as shown on my credit report. The discrepancies listed below violate several provisions of the Fair Credit Reporting Act ( FCRA ), and I am requesting an immediate investigation. If the errors can not be validated or corrected, I am requesting the deletion of this account. 

Disputed Account Details Creditor Name : XXXX XXXX XXXX Original Creditor : XXXX XXXX  Account Number : [ XXXX ] Balance : {$690.00} Date Opened : XX/XX/XXXX Reporting Bureaus : XXXX XXXX XXXX, Equifax Inaccuracies and FCRA Violations 1. Potentially Incorrect Balance ( Violation of FCRA 623 ( a ) ( 1 ) ) The reported balance of {$690.00} may be inaccurate if payments, fees, or adjustments related to the collection process have not been properly applied. 
Requested Action : Provide validation of the balance, including a breakdown of any fees or adjustments, or delete the account if verification can not be provided. 
2. Potentially Incorrect Date of Last Activity ( Violation of FCRA 605 ( a ) ) The Date Last Active is reported as XX/XX/XXXX, but this may be incorrect if no recent activity has occurred. Improperly updating this date can extend how long the account remains on the credit report, in violation of reporting limits. 
Requested Action : Verify and correct the date of last activity, or delete the account if proper verification can not be provided. 
3. Missing or Incomplete Payment History ( Violation of FCRA 623 ( a ) ( 1 ) ) The payment history for the past two years is incomplete or missing, failing to reflect the monthly progression of delinquency. This lack of historical reporting makes it unclear how the account was handled. 
Requested Action : Update the payment history to accurately reflect the delinquency progression, or delete the account if accurate information can not be provided. 
4. Failure to Provide Debt Validation ( Violation of FCRA 611 ( a ) ) As a third-party collection agency, I C System must provide proper documentation proving the validity of the debt, including the original creditors records and details of the balance. 
Requested Action : Provide full validation of the debt, or delete the account if validation can not be provided. 

CFPB Legal Precedent and Considerations The Consumer Financial Protection Bureau ( CFPB ) has taken legal action against credit bureaus, including XXXX and Equifax, for failure to properly investigate consumer disputes and correct inaccurate reporting. I expect full compliance with the FCRA when handling my dispute. 

Requested Actions 1. Correction of Balance : Provide verification of the balance, or delete the account if validation fails.

2. Correction of Last Activity Date : Verify and correct the Date Last Active to reflect accurate information, or delete the account if it can not be properly verified.

3. Completion of Payment History : Ensure that the payment history accurately reflects the monthly progression of delinquency, or delete the account if accurate historical reporting can not be provided. 
4. Validation of Debt : Provide full documentation validating the debt, including details from the original creditor, or delete the account if proper validation is not possible.

5. Written Confirmation of Resolution : Provide a written response regarding the outcome of the investigation within the 30-day period required under FCRA 611 ( a ).

Supporting Documentation Copy of credit reports highlighting the errors Drivers License Social Security Card Failure to correct or remove the inaccurate information within the legally required timeframe may result in further escalation through the CFPB or legal action. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation