Consumer complaint received 2025-09-26 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: CA

Complaint narrative:
Equifax Reporting Inaccuracies Company : Equifax Information Services LLC Product : Credit reporting Issue : Incorrect information on my credit report -- - Description of the Problem I am submitting this complaint because Equifax Information Services LLC is reporting multiple tradelines with inaccurate, inconsistent, and misleading information on my credit file. Despite prior disputes, Equifax continues to verify or update these accounts without providing a proper Method of Verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

I have attached a sworn affidavit, a copy of my drivers license, my car registration ( proof of address ), and copies of the Equifax credit report showing the accounts in question. 


-- - XXXX. XXXX XXXX XXXX XXXX ( Account ending XXXX XXXXXXXX ) Equifax reports this account with a {$200.00} balance and {$200.00} past due. However, the 24-month payment grid shows a {$0.00} balance in XX/XX/XXXX and records a payment on XX/XX/XXXX. 

This is a clear inconsistency : the header information claims money is owed, while the detailed grid reflects a XXXX balance with payment activity. Inaccurate and conflicting data violates FCRA 607 ( b ) ( requirement for maximum possible accuracy ). 

In addition, XXXX XXXX has violated 15 U.S.C. 1692c ( c ) ( FDCPA ). I previously sent a cease-and-desist letter instructing XXXX XXXX to stop all collection activity, yet they withdrew funds and continued reporting as though payments were being made. This is unauthorized collection activity during a dispute and further evidence that the account is being mishandled and reported inaccurately. 

Equifax must either correct this contradiction or delete the tradeline. 


-- - XXXX. XXXX XXXX  ( Account ending XXXX XXXXXXXX ) Equifax reports this account as Closed on XX/XX/XXXX, yet continues to show charge-off status months throughout XXXX and XXXX. Additionally, the tradeline reflects a payment on XX/XX/XXXX, well after the listed closure date. 

Closed accounts can not legally continue reporting new charge-off activity or subsequent payments. This is contradictory and misleading reporting. 

Equifaxs reporting in this case misrepresents the true account history, violating both FCRA 607 ( b ) and 611 ( a ). 


-- - XXXX. XXXX XXXX XXXX  XXXX XXXX ( Account ending XXXX XXXXXXXX ) This account is closed with a {$0.00} balance. Despite that, Equifax continues to carry active dispute coding : Code XXXX Reinvestigation in process XXXX XXXX Now resolved The presence of both active and resolved dispute codes on a {$0.00} balance, closed account is contradictory and misleading. Dispute codes should not remain indefinitely on accounts that are closed and settled. 


-- - Legal Basis Under the Fair Credit Reporting Act ( FCRA ) : 607 ( b ) : CRAs must assure maximum possible accuracy.

611 ( a ) : Consumers are entitled to a reasonable reinvestigation of disputed information.

611 ( a ) ( 2 ) : CRAs must forward all relevant evidence to furnishers.

611 ( a ) ( 7 ) : Consumers are entitled to a detailed Method of Verification upon request.

15 U.S.C. 1681s-2 ( b ) : Furnishers must conduct their own investigation when notified of a dispute by a CRA. 


Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 1692c ( c ), a debt collector ( or in this case, XXXX XXXX acting in a collection capacity ) must cease all collection activity once a consumer issues a cease-and-desist. Continuing to withdraw funds and report payments during an active dispute is a direct violation. 

Arbitration Notice : These accounts ( XXXX XXXX, XXXX XXXX, and XXXX  XXXX ) are subject to contractual arbitration clauses requiring creditors to act in good faith and comply with applicable laws. Continuing to report inaccurate or contradictory information, or to engage in unauthorized collection activity during an active dispute, constitutes bad faith and breach of contract. If Equifax or the furnishers fail to correct or delete these tradelines and provide a complete Method of Verification, I reserve the right to compel arbitration under the applicable agreements. I further reserve all rights to seek statutory damages and reimbursement of arbitration fees and costs. 


-- - Requested Resolution 1. Delete or Correct the inaccurate tradelines identified above ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 


2. Provide the Method of Verification for each account, including : The documents and records reviewed, The e-OSCAR XXXX  numbers and transmissions, The name and contact information of the furnisher who allegedly verified the data. 



3. Remove misleading dispute codes from closed, {$0.00} accounts. 


4. Confirm compliance with FCRA 611, 607 ( b ), and FDCPA 1692C c

Company response to consumer: Closed with non-monetary relief