Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
I am disputing INACCURATE collection tradeline ( XXXX ) reported by XXXX XXXX XXXX XXXX XXXX ( XXXX ) that remain on my credit files maintained by Experian, Equifax, and TransUnion despite A COURT DISMISSAL WITH PREJUDICE of XXXX lawsuit against me. 

The reporting is NO LONGER ACCURATE OR LEGALLY SUPPORTABLE, and must be deleted. 

Key facts & timeline : Case : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX ( XXXX XXXX XXXX Florida XXXX XXXX XXXX ). 

Disposition : On XX/XX/year>, XXXX filed a Notice of Voluntary Dismissal with Prejudice. This is a final, on-the-merits termination and bars XXXX from bringing the same claim again. 

Status of credit reporting : XXXX or more XXXX collection tradelines continue to appear on my credit reports ( and/or were updated after dismissal ). Some entries include language such as collection account, dispute resolved, or similar, which is misleading and inaccurate in light of the court disposition. 

My dispute efforts : I disputed these tradelines with the CRAs and identified XXXX as the furnisher. I provided sufficient information for a reasonable reinvestigation, including court details and the dismissal order. The CRAs either verified the accounts without meaningful explanation or left misleading notations that imply an unpaid, collectible debt. 

Why this violates the FCRA and duties of CRAs/furnishers : XXXX U.S.C. XXXX ( b ) : CRAs must follow reasonable procedures to assure maximum possible accuracy. Continuing to report a XXXX collection after a dismissal with prejudice fails that standard. XXXX U.S.C. XXXX ( a ) : Upon dispute, CRAs must conduct a reasonable reinvestigation, delete or correct inaccurate information, and provide the method of verification. Merely parroting PRAs verified response without considering the court disposition is not reasonable. 

XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) ( B ) : When information is found to be inaccurate, incomplete, or can not be verified, it must be deleted, and if later reinserted, the CRA must obtain certification of accuracy and give me notice. 

XXXX U.S.C. XXXX ( b ) : As a furnisher, XXXX must reasonably investigate disputes forwarded by CRAs and correct or delete information that is inaccurate or can not be verified. 

XXXX U.S.C. XXXX ( XXXX ) ( FDCPA ) : Debt XXXX XXXX not communicate credit information they know or should know is false or misleading, including failure to mark a debt as disputed or continuing to report after losing the claim. 

Harm : The continued presence of XXXX tradeline ( XXXX ), or any consumer disputes after resolution language, misstates my legal obligation, depresses my credit scores, and impairs my access to fair credit terms. 

Attachments I am providing : Notice of XXXX XXXX with XXXX filed XX/XX/year> ( PDF ). 

Furnisher : XXXX XXXX XXXX XXXX XXXX Approximate balance reported : {$1200.00} ( or varies by CRA ) Date of dismissal with prejudice : XX/XX/year> Court XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Florida Case No. : XXXX

Company response to consumer: Closed with non-monetary relief