Consumer complaint received 2025-07-30 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Accounts : XXXX & XXXX Date of Latest Update : XX/XX/XXXX To Whom It May Concern, I am filing a formal complaint regarding two accounts being reported by XXXX XXXX XXXX that are continuously updated as " collection '' accounts despite previous disputes. These accounts show monthly updates as if they are active collections, violating my rights under the Fair Credit Reporting Act ( FCRA ) and FDCPA. 

Account # XXXX Originated with XXXX XXXX XXXX XXXX 
Original Balance : {$930.00} Date Opened : XX/XX/XXXX Current Balance : {$930.00} Recent Updates : Collection status posted for XXXX and XX/XX/XXXX Scheduled to remain until : XX/XX/XXXX Account # XXXX Originated with XXXX XXXX XXXX XXXX Original Balance : {$1900.00} Date Opened : XX/XX/XXXX Current Balance : {$1900.00} Recent Updates : Collection status posted for XXXX and XX/XX/XXXX Scheduled to remain until : XX/XX/XXXX Violations : Continuous Collection Reporting Without Payment Activity : These accounts are being updated monthly to show " collection '' status despite no new activity, payments, or contractual obligationwhich is a violation of : FCRA 623 ( a ) ( 2 ) ( B ) Failure to stop reporting outdated or false information after notice of dispute.

15 U.S.C. 1681s-2 ( b ) Furnishers must conduct a full reinvestigation and cease reporting inaccurate or incomplete data.

FCRA 607 ( b ) Information must be reported with maximum possible accuracy.

FCRA 605 ( a ) ( 5 ) Negative information can not be reported indefinitely or improperly extended by re-aging. 


Failure to Provide Supporting Documentation Post-Dispute : Despite our dispute, XXXX has failed to provide documentation showing : Proof of ownership of the debt, The complete chain of title from the original creditor, A copy of the original signed agreement with the original creditor, A full breakdown of the amount alleged, An explanation of why this is still being updated as a new collection monthly without new activity. 


Improper Update During Active Dispute : The comment " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' was added, but no resolution or evidence was ever sent to me, and yet the account is being marked as resolved and continues to update. 


Resolution Demanded : I am formally requesting the following : Full deletion of both accounts from all consumer reporting agencies, as : MCM has not provided documentation to verify the legitimacy of the debts.

MCM is engaging in continued re-aging or re-reporting to prolong the negative impact. 


A full explanation and itemized documentation showing : Chain of assignment/purchase of the debt, Signed contract from the original creditor, Validation of the debt amount, Justification for continued updates.

Immediate cease of further reporting to all CRAs until this is resolved per FCRA 623 ( b ) ( 1 ) ( D ). 


I will escalate this further, including pursuing legal options and contacting my state Attorney General, if this matter is not resolved completely and correctly. 
Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief