Consumer complaint received 2024-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to dispute the inaccurate reporting of my XXXX XXXX account XXXX on my Equifax credit report. Specifically, I request that Equifax update the accounts status to reflect that it is no longer delinquent, as publicly disclosed in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). This document, available at the following link, clearly states that charged-off accounts are no longer considered delinquent : XXXX XXXX XXXX XXXX 
Despite this disclosure, my credit report continues to reflect the account as delinquent, which is inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). 
XXXX. Request for Update or Deletion a. Update the Account Status Equifax must immediately update the reporting of this account to reflect its correct status as not delinquent, consistent with XXXX XXXX publicly disclosed policy. Additionally, any references to a past due amount or continued delinquency must be removed to ensure compliance with the FCRA. 
XXXX Delete the Account if Accurate Reporting Is Not Possible If Equifax can not ensure that the account is reported accurately, fairly, and completely under 15 U.S.C. 1681e ( b ), I request that the account be deleted from my credit report in accordance with the FCRAs provisions for correcting or removing unverifiable or inaccurate information.

2. Legal Basis for This Request a. Fair Credit Reporting Act ( FCRA ) Thursday, XX/XX/XXXX Equifax is required to ensure that all information in its consumer reports is accurate and non- misleading : Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) : The FCRA mandates that all information reported by CRAs must be accurate and not materially misleading. Reporting a charged-off account as delinquent creates an inaccurate representation of the accounts status.

Duty to Correct or Delete 15 U.S.C. 1681i ( a ) : CRAs must conduct a reasonable reinvestigation of disputed items and correct or delete information that can not be verified as accurate. 
b. Public Statements and XXXX XXXX XXXX XXXXXXXX has disclosed in its XXXX Prospectus that charged-off accounts are not delinquent. Reporting them as delinquent contradicts this disclosure and misleads both consumers and regulators. 
c. Regulatory and Case Law Support XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit reports must present information in a way that is not materially misleading. 
XXXX v. CSC Credit Services, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : CRAs can not blindly rely on furnishers and must ensure the accuracy of reported information. 
XXXX. Documentation Provided I have included a copy of the relevant portion of the XXXX XXXX that states charged-off accounts are no longer considered delinquent. Additionally, I have attached a copy of my Equifax credit report reflecting the inaccurate reporting for reference. 
4. Next Steps Please provide written confirmation that : 1. The account status has been updated to reflect that it is no longer delinquent, or 2. The account has been deleted entirely from my credit report if accurate reporting can not be ensured.

If no corrective action is taken within the timeframe required under the FCRA, I reserve the right to escalate this matter by filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing legal remedies under 15 U.S.C. 1681n for willful violations and 15 U.S.C. 1681o for negligent violations.

5. Closing Statement Thursday, XX/XX/XXXX Thank you for your immediate attention to this matter. I look forward to receiving confirmation that this issue has been resolved in compliance with applicable laws and XXXX XXXX publicly disclosed policies. 
Sincerely, XXXX XXXX Attachments : XXXX. Relevant page from XXXX XXXX XXXX XXXX XXXX. Copy of my Equifax credit report showing the inaccurate reporting

Company response to consumer: Closed with non-monetary relief