Consumer complaint received 2025-10-08 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion, XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX CC : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Dispute XXXX XXXX XXXX XXXX Accounts Reporting Inaccurately To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of two XXXX XXXX XXXX XXXX accounts on my credit reports. I have attached written proof directly from XXXX XXXX XXXX XXXX XXXX Department, dated XX/XX/XXXX, confirming that both accounts have been paid in full and settled with no remaining balance. 
The accounts in question are : XXXX XXXX XXXX XXXX Account XXXX. XXXX Paid in Full {$1500.00} XXXX XXXX XXXX XXXX Account No. XXXX Paid in Full {$20000.00} According to the letters provided, both accounts are now satisfied in full, with no further collection activity to occur, and XXXX XXXX has confirmed that they will update the credit bureaus accordingly. However, these updates have not yet been reflected in my Experian, Equifax, or TransUnion credit files. 
This failure to accurately update and report violates several sections of federal consumer protection law under the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ) : FCRA 1681e ( b ) : Requires credit bureaus to ensure maximum possible accuracy of all reported information. Continuing to show these accounts as unpaid or derogatory is inaccurate.

FCRA 1681i ( a ) : Requires a prompt and reasonable reinvestigation of disputed information, and correction or deletion of inaccurate data within the statutory time frame.

FCRA 1681i ( a ) ( 5 ) ( A ) : Mandates deletion or modification of any unverifiable or inaccurate information and requires notice of such correction to the consumer.

FACTA 1681c-2 : Requires the permanent correction of inaccurate information once verified documentation is provided by the consumer. 
Given the evidence enclosed, I am demanding that both XXXX XXXX XXXX XXXX accounts be updated immediately to reflect the correct and accurate status as follows : Paid in Full / Settled {$0.00} Balance / No Late Payments/ Closed. 
This correction must be made across all three credit bureaus without delay. I am requesting that you act expeditiously, in compliance with FCRA 611 ( 15 U.S.C. 1681i ), and provide written confirmation that both tradelines have been corrected within 30 days from receipt of this letter. 
Failure to promptly correct these reporting errors will result in escalation to the CFPB, FTC, and the Louisiana State Attorney Generals Office for enforcement action under FCRA 616617 ( 15 U.S.C. 1681n1681o ), which provide for civil liability in cases of willful or negligent noncompliance. 
Thank you for your immediate attention to this matter. I expect a full reinvestigation and confirmation in writing once these inaccuracies have been corrected. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief