Consumer complaint received 2026-05-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX DOB : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XX/XX/XXXXXXXX To Whom It May Concern, I am writing to formally dispute certain items on my credit report pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ). After reviewing my Equifax credit report dated XX/XX/XXXX, I have identified accounts that are being reported with incomplete and potentially inaccurate information, which does not meet the FCRA requirement for maximum possible accuracy under XXXX ( b ). DISPUTED ACCOUNTS XXXX. XXXX XXXX XXXX Incomplete reporting fields, including missing delinquency data Insufficient payment history detail XXXX. XXXX XXXX XXXX ( AUTO LOAN ) Reporting lacks complete historical data fields Requires verification of full and accurate payment reporting XXXXXX/XX/XXXX BANK Inconsistent balance and payment history fields Requires validation of complete account reporting XXXX. XX/XX/XXXX ( SECURED ACCOUNT ) Incomplete account data and reporting fields LEGAL BASIS Under the FCRA : 15 U.S.C. XXXX ( b ) requires maximum possible accuracy 15 U.S.C. XXXX ( a ) requires a reasonable reinvestigation Any information that is incomplete or unverifiable must be deleted REQUEST FOR ACTION I request that Equifax : Conduct a reasonable reinvestigation of all disputed accounts Provide documentation used to verify each account Correct or delete any account that can not be fully verified Ensure all reporting reflects complete and accurate data fields If these accounts can not be verified with proper documentation, they must be deleted immediately. Please complete your investigation within the required XXXXday timeframe. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX DOB : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute inaccurate, incomplete, and unverifiable information currently being reported on my credit file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ). After reviewing my credit report, including my Equifax report dated XX/XX/XXXX, I have identified multiple issues that do not comply with federal reporting standards. VIOLATIONS IDENTIFIED XXXX. Failure to Maintain Maximum Possible Accuracy ( FCRA XXXX ( b ) ) Certain accounts on my report contain inconsistent or incomplete information, including : Incorrect balances Missing or inconsistent dates of first delinquency Incomplete payment histories For example : Accounts such as XXXX XXXX XXXX are reporting active balances and recent updates that must be fully verifiable and accurate XXXX. Failure to Conduct Proper Reinvestigation ( FCRA XXXX ) If any of these items were previously disputed and marked as verified, I dispute the validity of that verification. A proper reinvestigation requires : Review of actual documentation Not automated system confirmation XXXX. Unverifiable Accounts Any account lacking : Signed agreement Full payment history Proof of ownership ( for collections ) must be deleted immediately XXXX. Improper Reporting of Closed Accounts Accounts reported as : Closed Paid {$0.00} balance Must not : Continue updating inaccurately Show misleading status codes ACCOUNTS IN DISPUTE I am disputing ALL NEGATIVE, INACCURATE, OR UNVERIFIABLE ACCOUNTS, including but not limited to : Any collections accounts Any charge-offs Any duplicate tradelines Any accounts with incorrect balances or dates DEMAND FOR ACTION Under 15 U.S.C. XXXX, you are required to : Conduct a reasonable reinvestigation Verify all disputed information with competent evidence Delete any account that can not be verified Provide written results within XX/XX/XXXX days ADDITIONAL NOTICE If any account is verified, I formally request : Method of verification Name of the verifying party Documentation used As required under FCRA XXXX ( a ) ( XXXX ) Failure to comply will result in escalation through : Complaint to the Consumer Financial Protection Bureau Additional legal remedies under federal law Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief