Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Formal Reinvestigation Demand Violation of FCRA 607 ( b ), 611 ( a ), and 623 ( b ) Inaccurate and Unverified Accounts on My Credit File. This letter serves as a formal demand for reinvestigation under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and incomplete information that remains on my Equifax credit report despite prior disputes and a CFPB complaint submission. XXXX recent response stated that this item belongs to you, referencing the U.S. Department of Education account ; however, the issue in question is not ownership but inaccurate and incomplete reporting that misrepresents the true status of my accounts. Per 15 U.S.C. 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ), Equifax and the furnishers are required to ensure the maximum possible accuracy of reported information, and to conduct a reasonable reinvestigation upon receipt of a dispute including verification from original source documentation, not mere confirmation from automated data systems. Below are the specific items requiring immediate correction and reinvestigation : XXXX. XXXX XXXX XXXX Account No. XXXX. Issue : This account is inaccurately reported as Paid in full for less than full balance and includes 46 months of negative payment history, which is false and misleading. Evidence Provided : Attached XXXX XXXX XXXX letter dated XX/XX/year>, confirming the vehicle loan was paid in full on XX/XX/year>, with all contractual obligations fully satisfied. Requested Correction : Update the status to reflect Paid in Full XXXX Balance No Derogatory History, and remove all references to settlement or partial payment inconsistent with the attached documentation. Applicable FCRA Violations : 607 ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy. 611 ( a ) Failure to conduct a reasonable reinvestigation of disputed information. 2. U.S. DEPARTMENT OF EDUCATION Account No. XXXX Issue : Equifax continues to report this account as defaulted or derogatory, despite full payment and satisfaction of the debt. Evidence Provided : Attached Department of Education letter dated XX/XX/year>, confirming that the loan ( XXXX ) have been paid in full, all obligations satisfied, and no further payments due. Requested Correction : Update this account to reflect Paid in Full XXXX Balance Satisfied and remove any reference to default, collection, or derogatory history. Applicable FCRA Violations : 607 ( b ) Failure to ensure maximum possible accuracy. 623 ( b ) ( 1 ) ( A ) - ( D ) Failure of the furnisher to correct or update information after notice of dispute. 611 ( a ) Failure to conduct a good faith reinvestigation beyond automated system verification. I am requesting the following : Full reinvestigation of the above-listed accounts based on the attached documentation.

Removal or correction of any inaccurate, incomplete, or misleading information. A copy of the updated credit report reflecting all verified corrections. Written confirmation of compliance within 30 days as required under FCRA 611 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation