Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
b'I am submitting this complaint against Equifax for failure to comply with the Fair Credit Reporting Act (XXXX), includingXXXX U.S.C.  XXXX(b)  failure to maintain maximum possible accuracyXXXX U.S.C.  XXXX(a)(XXXX)  failure to delete or correct inaccurate, incomplete, or unverifiable information after a dispute\n\nOn XXXX XXXX XXXX, I mailed a Round 1 dispute letter to Equifax via certified mail (tracking numbers XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX). My dispute letter listed several accounts with incorrect, misleading, or incomplete information. It also included supporting documentation  including court summonses  for accounts currently involved in litigation.\n\nAs of this complaint, Equifax has failed to correct or update the following accounts:\n\n\n\n Disputed Accounts with Equifax:XXXX XXXX XXXXThis account is the subject of active litigation: XXXX XXXX XXXX XXXX XXXX, Case No. XXXX  (XXXX XXXX XXXX).\n\t\tEquifax fails to report that the account is in litigation, creating a material omission.\n\t\tA tradeline can be accurate in part but still misleading, in violation of XXXX(b).XXXX XXXX (XXXX)\n\t\tAlso in litigation (Case No. XXXX), yet no mention of legal status is made.\n\t\tEquifax reports it as charged off, without legal context.\n\t\tFCRA requires completeness, not partial or misleading data.XXXX XXXX XXXX XXXX (XXXX)\n\t\tHigh credit and charge-off status are inconsistent across CRAs.\n\t\tEquifax fails to apply proper dispute language and does not reflect my ongoing dispute.\n\t\tInconsistent date reporting across CRAs suggests Equifax did not verify properly.XXXX XXXX (XXXX)**\n\t\tEquifax reports as charged off but omits whether the account was closed by grantor or consumer.\n\t\tDispute notation also appears to be missing or outdated.XXXX (XXXX)**\n\t\tBalance listed on a charged-off account without clear indication if the debt was sold or settled.\n\t\tNo documentation has been provided to support continued reporting.XXXX (XXXX)XX/XX/XXXX status conflicts with XXXX  and XXXX  for this same tradeline.\n\t\tDispute comment may be missing.\n\t\tInconsistent coding creates misleading impression.XXXX / XXXX XXXX (Secured Card)\n\t\tHigh credit shows as $215 while credit limit is $200.\n\t\tThis could indicate an over-limit charge that may not have occurred.\n\t\tClosure reason unclear or missing.XXXX XXXX XXXX (XXXX)XXXXMarked Paid but status suggests its still impacting my credit negatively.\n\t\tNeeds clearer closure or update coding.XXXX XXXX XXXXMarked as derogatory with $0 balance.\n\t\tIf debt is paid or sold, derogatory status may no longer be accurate.\n\t\tDispute notation appears to be missing from Equifax, while present on other CRAs.XXXX XXXX (Ending in XXXX)\n\t\tEquifax shows a more recent Date of Status than other CRAs.\n\t\tAlso displays a different balance reporting date, suggesting reporting is stale or unverifiable.\n\n\n\n Summary of Violations:\n\t\tEquifax is reporting tradelines involved in active lawsuits without noting account in litigation\n\t\tSeveral accounts show inconsistencies, missing dispute notations, and contradictory balances or statuses when compared with TransUnion and Experian\n\t\tNo reinvestigation documentation has been sent to me\n\t\tEquifax failed to delete, update, or verify many accounts within XXXX  days of receiving my mailed dispute'

Company response to consumer: Closed with non-monetary relief