Consumer complaint received 2025-05-29 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX SUBJECT : Formal Dispute and Request for Verification Inaccurate Auto Loan Reporting by XXXX XXXX XXXX Dear Equifax Dispute Department, I am writing to formally dispute inaccurate information currently being reported on my Equifax credit report regarding an auto loan from XXXX XXXX XXXX. This account has already been removed from XXXX  and XXXX, which suggests that its continued presence on my Equifax report is both unjustified and in violation of federal law, including the Fair Credit Reporting Act ( FCRA ) and Regulation F of the Fair Debt Collection Practices Act ( FDCPA ). 



DETAILS OF DISPUTED ACCOUNT : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Equifax only Status : Active/Open Discrepancy : Removed from XXXX  and XXXX  due to dispute DISPUTED ISSUES : 1. Highest Balance is listed as XXXX while a reported balance is also present inconsistent and misleading. 

XXXX. Monthly Payment is listed as no info, yet a payment history chart is reported contradictory. 

XXXX. The record states a last payment on XX/XX/year>, but the chart clearly shows no payment was made this is inaccurate. 

XXXX. It claims that 60 % of payments were made on time, yet I have never made a single payment on this account outright false information. 

XXXX. Payment Status and Worst Payment Status both show no info, but simultaneously report detailed delinquency information this is misleading. 

XXXX. The report lists : XXXX  Days Late : 2 times XXXX  Days Late : XXXX time XXXX  Days Late : XXXX times These claims are completely false and unsupported by any factual record. 

XXXX. Account Status is listed as open, even though XXXX  and XXXX  have determined that this account does not belong on my credit report. 



FEDERAL LAW VIOLATIONS This account continued reporting by Equifax violates the following laws : Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681 : 1681e ( b ) Failure to maintain the maximum possible accuracy of information.

1681i ( a ) Failure to conduct a reasonable reinvestigation of disputed information.

1681s-2 ( b ) Furnishers duties after receiving notice of dispute.

1681g ( a ) Right to know the source and method of information used in a credit report.

Regulation F ( 12 CFR Part 1006 ) Implementation of FDCPA : 1006.30 ( a ) Prohibits furnishing information to a credit bureau that is known to be inaccurate or incomplete.

Requires proper verification of debt after a consumer dispute.

REQUEST FOR METHOD OF VERIFICATION I previously requested method of verification from XXXX XXXX XXXX, and as a result, this account was removed from XXXX. I now demand that Equifax provide written proof of the verification that justifies the continued reporting of this account. 



Specifically, I request that you provide the following within 15 days : 1. Who was contacted to verify that this account belongs to me?

2. When ( date and time ) was this communication made?

3. What phone number or electronic method was used to verify the account?

4. A copy of the documents used to verify this information.

Failure to provide this information or to correct the inaccuracies violates my rights under federal law and may result in legal action and formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General 's Office. 



RESOLUTION DEMANDED : Immediate deletion of the XXXX XXXX XXXX XXXX XXXX  account from my Equifax credit file. 

Written verification of the account validity and reporting within 15 calendar days.

A corrected copy of my updated credit report reflecting these changes.

Enclosures Copy of my government-issued ID Copy of SS Card Thank you for your prompt attention to this serious matter. I expect a timely and lawful resolution in compliance with the FCRA and Regulation F. 



Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief