Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate and Legally Noncompliant Collection Accounts Reporting on My Credit File To Whom It May Concern, I am writing to dispute multiple inaccurate and legally questionable accounts currently appearing on my credit report with your agency. These accounts are listed under the names XXXX XXXX and XXXX XXXX XXXX. 



Upon close inspection of the reporting, I have identified several inconsistencies, inaccuracies, and possible violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Regulation F. Please consider this a formal demand for investigation and immediate correction or removal of these accounts. 



The following issues are present : 1. Highest Balance Listed as {$0.00} : Both accounts report a highest balance of zero, which is illogical and inconsistent with the alleged remaining balance still being reported. If no highest balance is shown, the validity and accuracy of the accounts reported balance are questionable.

2. Inconsistent Payment History : There is a payment history chart included, yet the payment status and worst payment status are listed as No Info. Reporting payment history without an accurate status is misleading and can create a false impression of delinquency or default.

3. Closed Accounts Reported as Open : These accounts are listed as closed collection accounts but the account status still shows as open this is factually incorrect and may mislead future creditors or
lenders.

4. Delinquency Data Is Inaccurate and Misleading : The report shows : XXXX times XXXX days late XXXX XXXX XXXX  days late XXXX times XXXX  days late This is false and exaggerated. Not only is this information inconsistent with the status and payment data, it also constitutes inaccurate negative reporting under the FCRA.

5. Accounts Not Reported by XXXX  : These accounts do not appear on my XXXX  report. This raises concerns about the legitimacy and consistency of reporting among the credit bureaus. 



Legal Violations to Be Investigated : FCRA 607 ( b ) : Failure to ensure maximum possible accuracy of the information reported.

FCRA 611 : Failure to investigate disputed information and correct or delete inaccurate, incomplete, or unverifiable information. 

FDCPA Violations : If XXXX XXXX and XXXX XXXX XXXX are acting as debt collectors, they must provide validation of the debt and refrain from reporting inaccurate information. 

Regulation F Compliance : Inaccurate or incomplete reporting without proper communication and verification is noncompliant under Regulation F debt collection rules. 



Requested Action : I demand that you conduct a full reinvestigation into the reporting of these accounts. If the accounts can not be verified with full accuracy and legal compliance, I request that they be deleted entirely from my credit report. Furthermore, I request a full explanation of your findings and any actions taken as a result of this dispute, in writing. 



I have enclosed a copy of my government-issued ID and SS card Please process this dispute and respond within the timeframe required by federal law. I expect a confirmation once these accounts have been corrected or removed. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation