Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
RE : URGENT FORMAL DISPUTE UNLAWFUL REPORTING OF MEDICAL DEBT & VERIFIED INACCURATE ACCOUNTS Dear Experian and Equifax, This letter serves as a final demand to permanently remove the following items from my credit report. These accounts are inaccurate, unverifiable, misleading, and in several cases, now illegal under new federal law. I have previously disputed many of these items, and you have failed to comply with the Fair Credit Reporting Act ( FCRA ). Your verification of clearly flawed or unlawful data amounts to negligence and is grounds for regulatory escalation and legal action. 

Furthermore, your handling of these disputes mirrors the same unlawful behavior cited in the Consumer Financial Protection Bureau 's ( CFPB ) XXXX lawsuit against Experian, where the bureau determined that you failed to conduct proper reinvestigations and falsely marked items as verified.

LEGAL BASIS FOR REMOVAL Under : FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) you must ensure maximum possible accuracy.

FCRA 611 ( 15 U.S.C. 1681i ) you must conduct reasonable reinvestigations.

FCRA 623 ( b ) furnishers must correct or delete inaccurate information.

CFPB Regulation V Final Rule ( Published XX/XX/XXXX, effective XX/XX/XXXX ) medical debt must no longer appear on credit reports or be used in lending decisions. 

You are in direct violation of these provisions. 

REMOVE ALL MEDICAL DEBT IMMEDIATELY ( NOW ILLEGAL ) 1. XXXX XXXX XXXX XXXX XXXX Two duplicate accounts with identical balances ( {$1800.00} ) from Florida XXXX XXXX XXXX 

Appearing after XX/XX/XXXX, in clear violation of CFPB Regulation V. 

2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Listed only with Experian. 

Medical debt that is no longer legally permitted to be reported. 

3. XXXX XXXX XXXX XXXX If any portion of this debt is related to medical device financing or bundled telecom-medical billing, it is also subject to deletion. 

Legal Action Requested : As per the CFPBs XXXX Final Rule on medical debt, remove all medical-related debt permanently from my report. Failure to comply constitutes an enforceable FCRA and CFPB violation. 

REMOVE VERIFIED INACCURATE ACCOUNTS 4. Dept. of Education / XXXX Student Loans Accounts report " Pays as Agreed '' and " Deferment '' yet show 90-day late payments in XXXX and XXXX. 

These loans were under federal forbearance and deferment under CARES Act protections, and late payments during this period are illegal and misleading.

Dates of last activity do not match across Equifax, Experian, and TransUnion.

Legal Justification : Reporting late payments during deferment violates FCRA 607 ( b ) and federal education loan regulations.

Action Required : Remove all derogatory late payments and reflect status as Pays as Agreed Deferred.

5XXXX XXXX XXXX XXXX Account # : XXXX Date of last payment reported inconsistently : XX/XX/XXXX ( Experian & TU ), XX/XX/XXXX ( Equifax ). 

Equifax lists Not more than two payments past due, conflicting with TU 's 30 days late. 

The same account can not legally appear with different status descriptions.

Action Required : Synchronize account data or delete the account in its entirety if verification can not be provided with documentation.

6. XXXX XXXXXXXX Account # : XXXX TU reports no late payments. 

EX and EQ both report 30- and 60-day delinquencies.

This conflict renders the derogatory information unreliable under FCRA 607 ( b ).

Action Required : If XXXX XXXX can not provide documentary verification to all bureaus, this accounts derogatory marks must be deleted. 

7. XXXX XXXX  Account # : XXXX Equifax reports both Pays as Agreed and Was 30 Days Late for the same billing period. 

This contradiction is materially misleading and violates FCRA obligations. 

Action Required : Remove the 30-day late marker and/or reverify all fields.

8. XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Date of last payment varies across bureaus ( XX/XX/XXXX on EQ vs. XX/XX/XXXX elsewhere ). 

Date Last Active also differs across all three bureaus. 

No bureau should publish unverifiable, conflicting timelines for the same trade line. 

Action Required : Either correct all data or delete the tradeline as unverifiable.

9. XXXX XXXX Multiple Accounts Duplicate entries with inconsistent balances, dates opened, and credit types ( installment vs. revolving ). 

Missing monthly payment info on several listings.

Action Required : Merge duplicate listings and update all reporting fields accurately or delete entries that can not be verified.

FINAL DEMAND You are hereby given 15 business days to : Reinvestigate and correct/remove all inaccurate or unverifiable information.

Permanently delete all medical debt in line with the CFPBs XXXX Final Rule. 

Provide written verification including name, address, and evidence from any furnisher.

Company response to consumer: Closed with non-monetary relief