Consumer complaint received 2025-07-18 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: AL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Information in Credit Report Violation of FCRA & CFPB Enforcement Dear Equifax Dispute Department , I am writing to formally dispute the accuracy and completeness of information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and in light of the recent findings and enforcement actions brought by the Consumer Financial Protection Bureau ( CFPB ) against your organization. 

Account in Dispute : Reported Balance : {$700.00} Creditor Name : [ Insert creditor name shown on the report if known ] Account Status : Closed Date of Last Payment : XX/XX/XXXX Date Reported : XX/XX/XXXX Disputed Entry : Payment status inaccurately reflects " XXXX  days late '' in XXXX and XX/XX/XXXX after the account was reportedly closed in XX/XX/XXXX and no further payments were required or expected. 

This information is materially inaccurate, misleading, and damaging to my consumer credit profile. The payment history falsely continues to report delinquency even though the account was closed and paid on XX/XX/XXXX. Additionally, the notation CO ( charge-off ) in XX/XX/XXXX contradicts the reported balance and prior reporting of account closure. 

I have attached a screenshot from my Equifax credit file obtained through your dispute portal that clearly documents this inconsistency. 

Furthermore, I would like to bring your attention to the Consumer Financial Protection Bureau 's XX/XX/XXXX enforcement action, in which Equifax was fined {$3.00} XXXX for systemic inaccuracies in consumer credit reports and failure to promptly correct disputed errors. ( See CFPB XXXX XXXX XXXX XXXX. XXXX ). This is a direct violation of FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), which require consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy and to correct or delete inaccurate information after receiving notice of dispute.

In accordance with FCRA 611, I hereby request that you : Delete or correct all inaccurate payment history entries ( XXXX delinquencies and charge-off ) dated after XX/XX/XXXX. 

Provide me with a revised copy of my credit report reflecting the correction. 

Reinvestigate and provide the method of verification used for this continued delinquency. 

Notify all parties to whom this inaccurate information has been provided in the last 12 months. 

If you do not resolve this dispute within 30 days, I will file a formal complaint with the CFPB, FTC, and state attorney generals office, and I will explore additional remedies under federal and state law. 

Sincerely, XXXX XXXX XXXX Enclosures : Screenshot of Equifax reporting ( XX/XX/XXXX ) Copy of ID and proof of address ( if required )

Company response to consumer: Closed with explanation