Consumer complaint received 2025-06-21 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: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute and Demand for Deletion of Inaccurately Reported XXXX XXXX XXXX Account Dear Equifax, This letter serves as a formal dispute and demand for immediate deletion of an inaccurate and materially misleading collection account reported by XXXX XXXX on my Equifax credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting a complete reinvestigation and deletion based on the following factual inaccuracies and legal violations : Disputed Account Details : Creditor Name : XXXX XXXX Account Status : Closed ( but also listed as Open ) Account Type : Open ( Inaccurate ) Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( partial date shown, missing full closure date ) Date of First Delinquency : XX/XX/XXXX Date Reported : XX/XX/XXXX Collection/Charge-Off Date Shown in Payment Chart : XX/XX/XXXX Balance : Still Showing High Credit : Same as Balance ( Incorrect ) Factual Errors & Legal Violations : XXXX. Contradictory Dates : Your report shows a first delinquency in XX/XX/XXXX, but also shows the account entering collection status in XX/XX/XXXX. 

This is an internal contradiction and violates FCRA 1681e ( b ), which mandates maximum possible accuracy in consumer reports. 

XXXX. Inaccurate Account XXXX : The account is shown as XXXX when it is clearly a closed collection account. This is materially misleading and misrepresents the account status, in violation of FCRA 1681e ( b ). 

XXXX. XXXX XXXX on a XXXX XXXX : A past-due balance is still shown on this account. However, as a collection account, it should reflect only the final amount owed at charge-off, and not continue to reflect a past-due status, as the creditor has already charged it off or transferred it to collections. 

XXXX. Missing or Manipulated Date of Closure : Other bureaus ( e.g., XXXX XXXX  ) reported specific closure dates ( XX/XX/XXXX, XX/XX/XXXX ( No full date ) ; XX/XX/XXXX ). Equifax report omits this information entirely, which creates ambiguity and reduces the accuracy and completeness of the data, again in violation of FCRA 1681e ( b ). 

XXXX. False High Credit Amount : The report shows a High Credit equal to the balance owed. However, this account is not a revolving credit card or loan. 

Listing a High Credit in this context is inaccurate and misleading, as it XXXX be interpreted by lenders or scoring models as a maxed-out credit line, unfairly impacting my credit score. 

This constitutes another violation of FCRA 1681e ( b ) for failure to report with maximum possible accuracy.

6. Failure to Provide Method of Verification : After a previous dispute, I requested a description of the procedure used to verify the account, pursuant to FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). 

Equifax has failed to provide this required information, which constitutes noncompliance with federal law. 



Requested Resolution : Based on the clear pattern of reporting errors and FCRA violations, I demand the following : XXXX. XXXX deletion of the XXXX XXXX account from my Equifax credit file. 

XXXX. A written response providing the method of verification, including documentation from the data furnisher ( XXXX XXXX ). 

XXXX. A corrected credit report showing the deletion or full resolution of the disputed inaccuracies. 



Notice of Escalation : If Equifax fails to act within the XXXX time frame required under FCRA 611, I will proceed with the following actions : Considering legal representation to pursue damages under FCRA 616 and 617 for willful and negligent noncompliance Please process this dispute as required by law and provide a written confirmation once the investigation is complete. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation