Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
Date : XX/XX/year> To : Equifax XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Subject : XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX ( Acct # : XXXX XXXX XXXX XXXX XXXX   ) Human Review Required Not for Automated System Processing To the Equifax Dispute Department : I am writing to dispute false and misleading information reported by XXXX XXXX under account number XXXX XXXX XXXX XXXX XXXX XXXXn my Equifax credit file. This letter is directed to a human reviewer, not an automated system. The data you are reporting is not only inaccurate and self-contradictory, but it is also causing measurable harm to my credit profile. 

FACTUAL ERRORS IN YOUR REPORT : The following inconsistencies and inaccuracies are evident in Equifaxs reporting of this account : Status Inconsistency : You list the account as Open and 60 Days Late while simultaneously showing only a {$30.00} balance and {$20.00} past due. That math doesnt add up. 

Payment Status Conflict : The account is reported as late in XXXX and XX/XX/year>, but your own records show the Date of Last Payment was XX/XX/year>, and no late fees or notices were provided. This is a clear FCRA violation. XXXX XXXX XXXX XXXX XXXX  TransUnion and XXXX show the account as current, with a {$0.00} balance, and no XXXX lates during the same period suggesting you are reporting in error. 

High Credit Listed as {$0.00} : Thats patently false, especially considering youre simultaneously reporting a {$500.00} credit limit. A revolving account can not have a {$0.00} high credit if usage occurred. 

No Clear Basis for Delinquency : The alleged delinquencies do not match the reported dates of activity or the low balance figures. If this account was truly 60 days past due, it would have reflected a larger balance or at least a history of non-payment. Neither is present. 

MY DEMAND : I am not asking you to check with the furnisher. I am formally demanding that Equifax either produce documented, verifiable proof from XXXX XXXX that justifies every element of this reporting or you delete the account or correct the inaccurate data immediately. 

Under the Fair Credit Reporting Act, you are required to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) : Ensure only accurate and complete information is reported.

15 U.S.C. 1681i : Reinvestigate disputed items and delete anything that can not be fully verified.

15 U.S.C. 1666b : Confirm that XXXX XXXX followed proper billing practices and grace period rules before reporting any delinquency. 

If you can not validate the accuracy of this reporting with full documentation, you must remove or correct the data as required by law. 

IF YOU FAIL TO RESPOND APPROPRIATELY : If this dispute is not resolved in a lawful and timely manner, I will file formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) Florida Attorney General XXXX XXXX XXXX XXXX XXXX  ) Additionally, I reserve my right to pursue legal action under FCRA 1681n and 1681o for willful or negligent noncompliance, and to seek damages, court costs, and attorneys fees. 

This is your opportunity to resolve this matter professionally. I am requesting a response within 30 days of receipt of this letter, as required by federal law. I will expect either verified correction or immediate deletion of the inaccurate data. 

Sincerely,

Company response to consumer: Closed with non-monetary relief