Consumer complaint received 2025-03-18 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: PA

Complaint narrative:
This complaint involves Equifax as follows with regard to the accounts referred within the letter below : XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania, XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA Dear Equifax Dispute Department, I am writing to formally dispute inaccuracies on my credit report as maintained by Equifax. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I am requesting a full investigation into the following accounts and the immediate correction or deletion of any unverifiable, incomplete, or inaccurate information. 

Accounts in Dispute XXXX. XXXX XXXX XXXX ( Charged-off, Balance : {$190.00}, XXXX Late Payments ) XXXX. XXXX XXXX XXXX ( Closed, Charged-off, Balance : {$220.00}, XXXX Late Payments ) XXXX. XXXX XXXX XXXX ( Account Ending XXXX ) ( Charged-off, Balance : {$2600.00}, XXXX Late Payments ) Legal Basis for My Dispute Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers of credit information are prohibited from reporting inaccurate or incomplete information. Additionally, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a reasonable investigation when a consumer disputes an account. 

Furthermore, courts have ruled that : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Credit reporting agencies ( CRAs ) must conduct more than a cursory review and must verify disputed information with supporting documentation. 
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX VA, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) CRAs and furnishers may be held liable for failing to investigate and correct inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) Reinforces that inaccurate debt reporting can be grounds for legal claims under the FCRA. 

Specific Issues with These Accounts XXXX XXXXXXXX XXXX : The account is reporting XXXX late payments, which is excessive and appears unverifiable. If XXXX charged off this account, no additional late payments should have been reported after the charge-off date, per 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). 
XXXX XXXX XXXX : This account was closed and charged-off, yet it is still reporting late payments. Once an account is charged-off, continued late payments should not be reported. 
XXXX XXXXXXXX XXXX ( Account Ending XXXX ) : The account is reported as charged-off, but it continues to report 15 late payments. This practice is misleading and may be a violation of the FCRAs accuracy requirements.

Requested Action I formally request that Equifax : 1. Provide documented evidence from the data furnishers verifying each reported late payment.

2. Correct or remove all inaccurate late payments and balances if they can not be substantiated.

3. Update my credit file accordingly and provide a corrected copy of my credit report.

If these inaccuracies are not corrected, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. Additionally, I will explore my right to pursue legal action under 15 U.S.C. 1681n, which allows for statutory damages of up to {$1000.00} per violation. 

Please respond in writing within 30 days of receiving this letter, as required under 15 U.S.C. 1681i ( a ) ( 1 ). 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief