Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
To : Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information on Credit Report Re : Account # XXXX ( XXXX XXXX XXXX ) Dear Equifax Dispute Department, I am writing to formally dispute and request validation for an account listed on my credit report under the name XXXX XXXX XXXX, with partial account number XXXX. I believe this tradeline contains several errors and may violate provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code XXXX et seq. 



XXXXpecific Disputed Issues XXXX. Incomplete and One-Sided ReportinXXXX This account appears only on my Equifax report XXXX and not on TransUnion or Experian, which raises questions about the accuracy and verification of the information being reported. Per FCRA 1681e ( b ), credit bureaus must ensure maximum possible accuracy. This level of inconsistency implies either : The data is not verified across bureaus, or The furnishing party is selectively reporting, which is misleading and can harm my credit standing. 
XXXX. Charge-Off Status Despite Last Payment in XXXX The account reflects a XXXX as of XX/XX/XXXX, yet the last payment was reported on XX/XX/XXXX over 4 years prior. This timeline does not make sense, as accounts typically charge off after 180 days of non-payment. Please provide : The exact date of delinquency, The date the account was charged off, and Verification of any communication from the lender notifying me of charge-off status. 
XXXX. Inaccurate Current Balance on a Closed, Charged-Off Account The report states a balance of {$12000.00} and a status of Closed, which is contradictory. A closed account should not carry an open balance unless substantiated. Per FCRA 1681i ( a ), you are required to reinvestigate any disputed information and remove it if it can not be verified within 30 days. 
XXXX. Unverified Monthly Terms The repayment schedule listed as Biweekly ( every XXXX weeks ) contradicts standard installment account terms and lacks corroborating detail. If this loan was charged off, I request proof of : The original loan agreement showing biweekly payment structure, Missed payment history supporting the charge-off status. 
XXXX. Ambiguity in Dates The account was opened on XX/XX/XXXX, and the last payment was made XX/XX/XXXX. 
Yet, it was not charged off until XX/XX/XXXX, nearly 4 years later. 
This discrepancy undermines the accuracy of the reporting timeline and violates FCRA 1681c ( a ), which mandates that obsolete or outdated negative information must not remain on file beyond the allowed reporting period.

Requested Action Under FCRA 1681i ( a ) ( 1 ) ( A ), I formally request the following : XXXX. A full reinvestigation of the account. 
XXXX. Validation of all information, including : Loan agreement, Payment history, Date of first delinquency, Communication records of charge-off status. 
XXXX. Immediate correction or removal of the account if the above data can not be verified. 



Notice of Rights Please note, under FCRA 1681i ( a ) ( 5 ) ( A ), if your investigation does not verify the accuracy of the information within 15 days, you are required by law to delete the disputed information from my credit report.

Company response to consumer: Closed with explanation