Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Notice of Violation Incomplete Reporting of XXXX XXXX XXXX XXXX XXXX Re : CFPB Complaint XXXX XXXX Account Number : XXXX Dear Equifax Dispute Department , This letter serves as a formal continuation and escalation of my original dispute submitted via the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, regarding Equifaxs failure to report my active XXXX XXXX  XXXX XXXX XXXX XXXX XXXX which has been open and in good standing since XX/XX/XXXX. 

Despite Equifaxs response dated XX/XX/XXXX, indicating that the disputed item is not currently reporting, the facts and documentation I provided clearly establish that the account exists, is active, and is reported by XXXX. 

To reinforce this, I am including the following verified and up-to-date data from my CreditStrong account dashboard : Account Number : XXXX Status : Active Date Opened : XX/XX/XXXX Original Amount : {$1000.00} Current Loan Payoff : {$970.00} Principal Balance : {$970.00} Monthly Payment Amount : {$28.00} Next Payment Due : XX/XX/XXXX XXXX : 15.61 % Interest Rate : 14.79 % Maturity Date : XX/XX/XXXX Payment History : 100 % On-Time Unpaid Interest : {$2.00} Unpaid Fees : {$2.00} This data comes directly from my CreditStrong account and is attached again in screenshot format for verification. Furthermore, the matching savings account ( Account Number : XXXX ) holds the full secured amount of {$1000.00}, confirming this loan is active and funded. This clearly satisfies the criteria of a legitimate and material tradeline under the FCRA. 

Equifaxs failure to report this account constitutes a material violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates the maintenance of maximum possible accuracy in credit reporting. By omitting this positive and active account, Equifax is providing a misleading and incomplete representation of my creditworthiness. 

I am hereby demanding that Equifax immediately reinvestigate this matter and update my credit file to include the XXXX XXXX XXXX XXXX XXXX as accurately reflected above. 

If Equifax continues to omit this account, I reserve the right to pursue legal action under the FCRA and relevant California consumer protection statutes. I have retained all CFPB documentation, Equifaxs prior response, and certified evidence of the loan 's activity and reporting. 

You are instructed to complete your reinvestigation and provide a written response within 30 days, as required by federal law. 

Sincerely, XXXX XXXX XXXX XXXX Attachments : Screenshots from XXXX verifying account data Previously submitted documents ( social credit card, XXXX, and ID PDF ) CFPB Complaint Acknowledgement

Company response to consumer: Closed with explanation