Consumer complaint received 2025-02-09 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: FL

Complaint narrative:
Subject : URGENT COMPLAINT DEMAND FOR IMMEDIATE DELETION OF INACCURATE CREDIT ACCOUNT REPORTING To Whom It May Concern, I am filing a formal complaint against XXXX, XXXX, and Equifax for grossly inaccurate reporting of an account under my credit file. The account labeled as XXXX XXXX XXXX ( Account # XXXX / XXXX ) contains multiple errors and inconsistencies across the XXXX credit bureaus, violating my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Credit Billing Act ( FCBA ), and the Consumer Financial Protection Act ( CFPA ). 
Inaccurate Information in My Credit Report XXXX. Inconsistent Date of Last Activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XX/XX/XXXXXXXX XXXX These discrepancies prove the bureaus are reporting different information for the same account, which is a direct violation of FCRAs accuracy requirements. 
XXXX. Conflicting Date Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax : XX/XX/XXXX ( This is a future date, making it impossible and clearly inaccurate! ) XXXX. Incorrect Payment History & Late Payments : * XXXX : Shows XXXX and XXXX late payments in XXXX and XX/XX/XXXX despite the account being marked " Current '' before closing. 
XXXX XXXX : Reflects XXXX and XXXX late payments in XXXX, XXXX, and XX/XX/XXXX, which contradicts XXXX and Equifax XXXX 
* Equifax : Reports XXXX and XXXX late payments in XXXX and XX/XX/XXXX, but no similar late payments appear on XXXX or XXXX in the XXXX months. 
* These inconsistencies in payment history falsely damage my credit score and financial standing. 
XXXX. Conflicting Account Closure Dates : * XXXX : XX/XX/XXXXXXXX XXXX XXXX : Not listed * Equifax : Not listed * The account should be uniformly marked closed on all reports, yet some bureaus continue to report different statuses. 
XXXX. Incorrect Reporting of Account Type and Terms : * XXXX and XXXX list it as a secured loan with a XXXX term, while Equifax does not confirm the term length at all. 
* The payment frequency is listed as " XXXX ( every month ) '' in XXXX but missing from XXXX and Equifaxanother failure to maintain accuracy. 
Federal Law Violations : XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2 ( b ) * Credit bureaus must report accurate and consistent information. The discrepancies across all three reports show clear non-compliance. 
XXXX. Fair Credit Billing Act ( FCBA ) 15 U.S. Code 1666 * Inaccurate late payments and conflicting account details cause harm to my creditworthiness, violating the FCBAs protections.

3. Consumer Financial Protection Act ( CFPA ) 12 U.S. Code 5531 * The misreporting of payment history and incorrect closure dates constitutes an unfair, deceptive, and abusive act ( XXXX ). 
Demand for Immediate Deletion Due to these serious and multiple violations, I demand the immediate and permanent deletion of this XXXX  account from all three credit bureaus ( XXXX, XXXX, and Equifax ) XXXX 
If this demand is not met within 15 days, I will escalate this matter by : * Filing additional complaints with the Federal Trade Commission ( FTC ) and my State Attorney General. 
* Pursuing legal action for willful non-compliance under the FCRA, which entitles me to statutory damages of up to {$1000.00} per violation, punitive damages, and attorney fees. 
* Seeking a court order for removal of this erroneous account. 
This matter is urgent, and I will not tolerate any delays or generic responses. I expect a written confirmation of this accounts deletion within 15 days of receipt of this letter. Failure to act accordingly will result in legal and regulatory consequences. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation