Consumer complaint received 2025-07-09 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 Re : Dispute of Inaccurate Reporting : XXXX  XXXX XXXX Dear Equifax Dispute Department : I am writing to formally dispute the accuracy of the above-referenced collections account reported by XXXX  XXXX XXXX on my Equifax credit report. This account, which previously appeared on XXXX  and XXXX  but was removed through dispute, remains inaccurately reported by Equifax. 

I would like to find then as not following reasonable procedures this is a procedure violation 1681s-2 ( b ) because if they don't have direct access to the live system to which the collection account came from they cant investigate anything. in XXXX XXXX XXXX XXXX it says you don't get to skip facts just because its digital if you cant verify it with records you don't get to keep reporting. I would like to demand proof, also what system did they have access to, the time and date they had access, how didEquifax review the actual records, please provide this in writing Specific inaccuracies include : 1. Account status is incorrectly listed as Open. This is a closed collection account with a reported balance ; marking it open is misleading and violates FCRA accuracy standards ( 15 U.S.C. 1681e ( b ) ). 

2. Lack of payment history or account type, while simultaneously showing contradictory payment history charts this inconsistency breaches FCRA 623 ( a ) ( 7 ) ( 15U.S.C. 1681s-2 ( b ) ) requiring maximum possible accuracy.

3. No mention that this account is being disputed. FCRA 611 ( a ) ( 5 ) ( A ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ) requires Equifax to mark the account as Under Dispute. 

4. Discrepancies across credit bureaus XXXX  and XXXX  removed this account after review, while Equifax continues to report it with conflicting details ( opening dates, balances ), violating FCRA 623 ( a ) ( 8 ). 

5. No verification from XXXX despite consumer requests. Under FCRA 611 ( a ) ( 1 ) ( A ), Im entitled to method of verification. I have twice submitted such requests directly to XXXX with no response. 



I filed a complaint with Equifax and stated that this account violates the Fair Credit Reporting Act, Fair Debt Collection Practices Act, and CFPBs Regulation F. Despite this, Equifax issued only a generic, automated response about forwarding my dispute and did not indicate any substantive review or correction. This conduct is inconsistent with the CFPBs XX/XX/year>, enforcement action fining Equifax {$15.00} XXXX for mishandling disputes and not properly investigating consumer-provided evidence. 



I am requesting : Immediate deletion of the XXXX XXXX XXXX account from my Equifax credit report in the absence of proper verification. 

Or, at minimum, correction of all inaccuracies, including : Marking the account Closed or Paid Adding explicit Under Dispute notation. 

Ensuring consistent data across all bureaus. 

A written confirmation of the actions taken and an updated copy of my Equifax credit report. 



If Equifax fails to investigate properly and correct or remove this inaccurate information within the 30-day timeframe required under 15U.S.C. 1681i, this will constitute a violation of the Fair Credit Reporting Act and an obligation to pursue all remedies, including regulatory complaints, possible CFPB referral, or legal actions. 



Please treat this letter, along with my previous documentation and notices submitted to XXXX, as formal notice under FCRA 611 and request for validation under FCRA 623 and Regulation F. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation