Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) Complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, * * I am formally disputing the continued reporting of the below revolving credit account, which contains multiple reporting violations under the XXXX XXXX data format as well as the Fair Credit Reporting Act ( FCRA ). The account is being furnished in a way that is incomplete, inaccurate, and misleading, and I am demanding its immediate deletion under my rights as a consumer. 

XXXX XXXX Disputed Account Information XXXX XXXX XXXX XXXX XXXX XXXX  Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX & FCRA Violations Identified : XXXX XXXX XXXX Balance exceeds credit limit without proper compliance code ( over-limit violation ) - No Date of Last Activity reported ( required to determine aging and payment behavior ) - 180+ days late but not marked as a charge-off or transferred account - No Compliance Condition Code furnished ( required for derogatory statuses ) - Missing Consumer Information Indicator XXXX XXXX if ever in dispute - Absence of Collateral or Special Comment Code to show accelerated or closed status XXXX XXXX  Applicable Legal Grounds : XXXX XXXX XXXX XXXX XXXX  FCRA 611 XXXX XXXX XXXX  Inaccurate or unverifiable information must be deleted - XXXX XXXX  FCRA 609 ( a ) : XXXX XXXX  I request full documentation of this debt and delinquency XXXX XXXX XXXX FCRA 623 ( a ) ( 5 ) : XXXX XXXX XXXX  and all related dates must be accurately reported - XXXX XXXX FCRA 1681s-2 XXXX XXXX XXXX It is unlawful to report misleading or incomplete information knowingly or through negligence Due to the multiple compliance failures and inaccurate presentation of the accounts true standing, I am requesting its immediate deletion. Please reinvestigate and confirm the outcome in writing within the 30-day window allotted by law. Failure to do so will result in escalation to the Consumer Financial Protection Bureau and other appropriate authorities. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief