Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
# FCRA XXXX XXXX to Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX * * Equifax Information Services LLC * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Request for Investigation - Missing Credit Account Information * * * * Account Holder : * * XXXX XXXX * * Date of Birth : * * XX/XX/XXXX * * Social Security Number : * * XXXXXXXX XXXX XXXX XXXX  * * Dear Equifax Consumer Relations Team , * * I am writing to formally dispute the * * absence * * of a credit account on my Equifax credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

# # Account Information Missing from My Equifax Credit Report : * * Creditor : * * XXXX XXXXXXXX XXXX XXXXXXXX ( Credit Strong ) * * Account Number : * * [ Account ending in XXXX ] * * Account Type : * * Personal Loan/Credit Builder Loan * * Account Status : * * Paid and Closed * * Date Opened : * * XX/XX/XXXX * * Date Closed : * * XX/XX/XXXX # # Dispute Details : This account * * does not appear * * on my Equifax credit report, despite the fact that : 1. * * The creditor confirms they report to Equifax * * - I have verified with XXXX XXXXXXXX XXXX that they report account information to Equifax at the beginning of each month. 
1. * * The account appears on other credit reports * * - This same account is properly reflected on both my XXXX XXXX XXXX credit reports, demonstrating that the account information is being reported by the creditor.

1. * * Account was paid in full * * - The account was successfully paid and closed in good standing on XX/XX/XXXX, as confirmed by the attached account closure notice. 

# # FCRA Legal Basis for This Dispute : Under the Fair Credit Reporting Act ( FCRA ) : - * * 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * * requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information and record the current status of the disputed information.

- * * 15 U.S.C. 1681e ( b ) * * mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of information concerning the individual about whom the report relates. 
- * * 15 U.S.C. 1681c-2 * * establishes requirements for the reporting of positive account information, which includes accounts paid as agreed. 

# # Requested Action : I am requesting that Equifax : 1. * * Investigate * * why this account is not appearing on my credit report when the creditor reports to Equifax monthly 1. * * Add the missing account * * to my credit report with accurate payment history showing the account was paid as agreed 1. * * Ensure proper reporting * * of this positive payment history going forward 1. * * Provide written confirmation * * of the investigation results and any corrections made # # Legal Notice : Please be advised that under 15 U.S.C. 1681i ( a ) ( 1 ), you have * * 30 days * * from receipt of this letter to complete your investigation and provide me with written results. Failure to properly investigate this dispute may result in violations of the FCRA. 

I expect this matter to be resolved promptly and in accordance with federal law. Please send your written response and any corrections to my credit file to the address listed above. 

Thank you for your immediate attention to this matter. 

* * Sincerely, * * * * XXXX XXXX * * XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation