Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXXXXXX XXXX XXXX XXXX  SSN : XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of the DENEFITSLL account appearing on my Equifax credit report under account number XXXX. This account contains materially false payment history and illogical late payment reporting that directly violates the Fair Credit Reporting Act ( FCRA ).

Under FCRA 15 U.S. Code 1681i, I am requesting an immediate reinvestigation of this account. Furthermore, in accordance with FCRA Section 611 ( a ) ( 7 ), I formally request the method of verification, including : The name and address of the party who verified the information The documentation and systems used A detailed description of how the verification was performed If accurate verification can not be completed, I demand that all derogatory information be removed immediately from this tradeline. 

I want to make clear that I have never been late on this account, and the derogatory information being reported is false and defamatory. I am disputing the payment history, the late indicators, and any claims of delinquency. 

Inaccuracies and Reporting Conflicts : Late Payment History ( XX/XX/XXXX Days Late ) Equifax reports XX/XX/XXXX, which is mathematically impossible. 
It is not feasible to be 90 days late 51 times without ever being 30 or 60 days late. This indicates either system error, improper data input, or misreporting by the furnisher. 

Payment History Summary Equifax reports : Youve made 0 % of payments for this account on time.

This is factually incorrect I have never missed a payment on this account.

Account Status and Remarks Status : Open Remark : Variable/adjustable rate Type : Blank These appear neutral, but in conjunction with 51 reported 90-day late payments and a 0 % on-time history, they contribute to an unjustified derogatory status.

These errors are in direct violation of FCRA Section 607 ( b ), which requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy. Additionally, in Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ), the court found credit bureaus liable for failing to reasonably investigate and correct false derogatory data.

This account is causing unjust and irreparable damage to my credit file and must be addressed immediately. I am not merely requesting verification I am demanding a formal reinvestigation and full deletion of all inaccurate derogatory information.

If your investigation confirms the reporting errors, I expect a corrected tradeline reflecting a 100 % on-time payment history. If you can not verify this data with documented proof, the account must be deleted from my credit file.

Please complete this reinvestigation and respond with your findings and the method of verification within 30 days, as required by federal law. 

Sincerely, XXXX XXXX XXXX Phone : XXXX  Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief