Consumer complaint received 2025-06-23 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: VA

Complaint narrative:
I am writing to request immediate reinvestigation and deletion of the following account under my consumer file, as provided by Equifax. This is my second attempt to resolve this matter. The account listed below continues to report inaccurately on my credit report, despite prior dispute efforts : Creditor : XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  On XX/XX/2025, I submitted a dispute to all three major credit reporting agencies and filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) under complaint number # XXXX. Your agency has failed to respond to this complaint, which is a violation of your responsibilities under federal law. 
In contrast, XXXX  ( # XXXX ) and XXXX  ( # XXXX ) investigated and removed the account from their records due to inaccurate reporting. Supporting documentation is attached. Equifaxs failure to do the samewhile continuing to report the item as " verified '' is inconsistent, incorrect, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
Legal Grounds for Immediate Action : 15 U.S.C. 1681i ( a ) Upon notification of a dispute, a credit reporting agency is required to conduct a reasonable reinvestigation within 30 days. The failure to provide adequate verification constitutes non-compliance with this statute.

15 U.S.C. 1681i ( a ) ( 5 ) If disputed information is inaccurate or unverifiable, it must be promptly deleted from the file.

15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) You are legally required to provide me, upon request, with a description of the procedure used to verify the account, including the name, address, and phone number of the furnisher contacted.

15 U.S.C. 1681e ( b ) You are required to maintain maximum possible accuracy in the information you report. Contradictory findings between bureaus confirm that the information you have retained can not meet this standard.

15 U.S.C. 1681g I am entitled to receive a full disclosure of all information in my credit file, including details related to disputes and verifications. 


Given that both Equifax and XXXX  have already removed this account based on the same dispute and supporting documentation, it is evident that the information being reported by Equifax is inaccurate and unverifiable. As required under 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be promptly deleted from the consumers credit file.

Furthermore, the discrepancy in responses from the three credit reporting agencies confirms that Equifax can not meet the legal standard of maximum possible accuracy as required under 15 U.S.C. 1681e ( b ).

Therefore, I am formally requesting that Equifax delete this account from my credit report immediately, in compliance with federal law. If the information can not be 100 % verified as accurateand clearly it cannotcontinued reporting is unlawful. 
Please send me an updated copy of my credit report reflecting this deletion and a statement confirming that the account has been permanently removed. If this is not resolved promptly, I am prepared to escalate this matter with the CFPB, FTC, and State Attorney Generals Office.

Company response to consumer: Closed with non-monetary relief