Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
CFPB Complaint Equifax Reporting of XXXX Funding Tradeline Subject : Inaccurate and Misleading Tradeline Reporting by Equifax XXXX Funding ( Case No. XXXX ) Company Complained About : Equifax Debt Collector Involved : XXXX Funding, LLC Date of Case Dismissal : XX/XX/XXXX Court : XXXX XXXX XXXX XXXX, Precinct XXXX, Place XXXX Amount : Approximately {$1300.00} Status : Dismissed Without Judgment Want of Prosecution Consumer Request : Full deletion of tradeline and public record reference Summary of Complaint : Equifax is continuing to report a tradeline furnished by XXXX XXXX, XXXX tied to Case No. XXXX, despite that civil case being dismissed on XX/XX/XXXX, with no judgment entered, and no finding of liability. The plaintiff failed to appear, and the case was dropped for Want of XXXX. 
Despite this dismissal, Equifax reported or re-reported this tradeline in XXXX, creating the false appearance of a new collection account and implying that the debt was valid, recent, and legally enforceable. This misrepresents the legal status of the debt and causes unjustified damage to my creditworthiness. 

Violations and Legal Basis : This tradeline is misleading and potentially unlawful under the following statutes : FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must report only accurate and complete information.

FCRA 623 ( a ) ( 5 ) Furnishers must report the correct Date of First Delinquency ( DOFD ) ; re-aging the debt to appear newer than it is, is prohibited.

FCRA 611 ( a ) ( 5 ) Items that can not be fully verified must be deleted.

FDCPA 1692e ( 2 ) ( A ) ( Applicable to XXXX ) It is illegal to misrepresent the legal status of a debt. 

Equifax can not rely solely on furnisher verification when the underlying case was dismissed in court and no judgment was issued. Reporting this debt post-dismissalespecially with a false re-reporting datepresents the consumer as delinquent on an unresolved legal matter, which is false. 

Attached Supporting Documentation : Court-stamped Dismissal Order ( signed XX/XX/XXXX ) Official XXXX Case Docket Summary ( shows dismissal ) ( Optional ) Screenshot of Tradeline Showing XX/XX/XXXX Activity Date No original contract, XXXX, or verified judgment has been furnished What Information I Previously Requested : I requested that Equifax : Justify their legal authority to report a dismissed debt as valid. 
Provide all verification data and documentation supporting continued reporting. 
Delete the tradeline if it can not be fully verified post-dismissal. 
Equifax has not complied with these requests nor clarified their legal basis for continuing to damage my credit after the courts dismissal. 

Ongoing Harm : Equifaxs reporting of this item creates the false legal impression of an active or resolved obligation. This increases my credit risk profile, lowers my FICO scores, and blocks access to fair credit opportunities. The XX/XX/XXXX update implies recent activity that never occurred, violating both the spirit and letter of the FCRA. 

Requested Resolution : I request that the CFPB compel Equifax to : Delete this tradeline and any associated public record references in full. 
Provide written confirmation that Equifax has updated the record to reflect that this account is legally unresolved and was dismissed in court. 
Investigate Equifaxs verification process and require documented justification from XXXX Funding or their attorney of record, including : Original account contract Proof of XXXX XXXX judgment ( which does not exist ) Post-dismissal verification, if any If Equifax can not provide the above documentation, they are legally required to delete this item under FCRA 611 ( a ) ( 5 ) ( A ). Continued reporting of this tradeline may expose them to liability for willful noncompliance with the FCRA.

Notice of Intent : If this matter is not resolved in compliance with the law, I will pursue : Formal FTC complaint Referral to state attorneys general Potential private right of action under 15 U.S. Code 1681n and 1681o I am preserving all evidence and will litigate if necessary. 

Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with explanation