Consumer complaint received 2025-10-03 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: OK

Complaint narrative:
Dear Sir or Madam, I am writing to formally bring to your attention repeated violations of the Fair Credit Reporting Act ( FCRA ) and improper reporting activities by XXXX XXXXXXXX XXXX XXXX ( XXXX ) concerning Account # XXXX, an unsecured installment account opened XX/XX/XXXX. 

1. Repeated FCRA Violations & Dispute Manipulation While the account was under active dispute, XXXX supplied new and retroactive derogatory information to Equifax, altering balances, charge-off amounts, last payment dates, and historical balances between XX/XX/XXXX, and XX/XX/XXXX. This occurred directly during a reinvestigation process. 

Prior violations include the addition of new delinquencies and interest to the account while it was under dispute, explicitly prohibited under 15 U.S.C. 1681s-2 ( b ).

These actions constitute willful violations of the FCRA and demonstrate manipulation intended to disrupt the dispute process. 

2. Prior Communication with Equifax Staff I previously contacted XXXX at Equifax regarding this matter. She refused to acknowledge the violations or escalate my inquiry to the Compliance department. 

She denied providing me with the phone call and text transcripts related to the disputes, which I am entitled to under 15 U.S.C. 1681g ( a ) ( 2 ), granting consumers access to the information in their file, including dispute-related communications.

She further requested additional photo identification and my Social Security number despite prior verified submissions via CFPB and Equifax systems. 

3. Demand for Preservation and Deletion In accordance with my rights under federal and state law, I hereby demand that Equifax, TransUnion, and Experian : a. Preserve All Records : Internal communications, notes, and emails regarding the disputes All communications from XXXX regarding this account Any modifications, system flags, or internal adjustments made to this account during the disputes Documentation of reinvestigation procedures and communications between the bureaus and XXXX b. Immediate Deletion of Inaccurate Information : All information provided by XXXX that is inaccurate, manipulated, or added during an active dispute must be immediately removed from my credit file. 

This includes any retroactive delinquencies, interest, charge-off modifications, and historical balance changes added or altered during the disputes. 

Failure to preserve or delete these materials exposes the bureaus to regulatory and legal liability under the FCRA and state consumer protection laws. 

4. Regulatory and Legal Risk By allowing manipulations to occur during an active dispute, and by refusing access to legally permissible records, the bureaus are entering an area of heightened regulatory and legal exposure. These actions are likely to draw attention from federal and state regulators, and non-compliance could result in civil penalties, administrative enforcement actions, and legal liability.

5. Request for Corrective Action I request written confirmation within 10 business days that : All inaccurate and manipulated information has been deleted from my credit file Preservation steps have been implemented to secure all relevant records Documentation of internal procedures and communications related to this account during the disputed period has been maintained Please note that these steps are requested before pursuing further legal action, including engagement of counsel to protect my rights under federal and state law. 

Thank you for your immediate attention to this serious matter.

Company response to consumer: Closed with explanation