Consumer complaint received 2026-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Formal Complaint Against Equifax Information Services LLC Violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i I am filing this formal complaint against Equifax Information Services LLC for continuing to report two inaccurate XXXX XXXX tradelines ( {$150.00} and {$160.00} ) on my Equifax credit report. Both accounts were paid in full directly to the original creditor, XXXX, in XX/XX/XXXXXXXX almost three years ago. XXXX has already investigated both accounts, confirmed the paid-in-full status, and permanently deleted them from my XXXX report. Equifax has refused to do the same despite my disputes. Key Facts : The two XXXX XXXX accounts ( one with Account Number ending in XXXX XXXXXXXX ) were originally reported with balances of {$150.00} and {$160.00} related to an insurance matter with XXXX. The date of first delinquency was XX/XX/XXXX, with assignment to collections on XX/XX/XXXX. Both debts were paid in full in XX/XX/XXXXXXXX via money order sent directly to the original creditor, XXXX almost three years ago. I no longer have the receipt from that time, but I am prepared to provide a sworn statement or affidavit confirming the payment and date if required. During my disputes, I specifically requested validation and documentation from the original creditor ( XXXX ). XXXX XXXX never provided any original XXXX records, statements, assignment documents, or proof that the XX/XX/XXXXXXXX payment was not applied or that the debt remains outstanding. In XX/XX/XXXX, I disputed both tradelines with Equifax , noting they were paid in full to XXXX in XX/XX/XXXXXXXX and requesting deletion. Equifaxs response ( see attached Disputed Collections results, Page XXXX of XXXX ) shows the {$150.00} account was not deleted or updated to reflect paid status they only changed the Collection Reported date from XX/XX/XXXX to XX/XX/XXXX and added a generic Consumer Disputes This Account Information remark. The balance remains listed as unpaid. XXXX conducted its investigation, verified the paid-in-full status ( including the payment made directly to XXXX in XX/XX/XXXX XXXX, and permanently deleted both tradelines from my XXXX report. Equifax has failed to conduct a reasonable reinvestigation, failed to obtain or review proper verification from XXXX regarding the XX/XX/XXXXXXXX payment, and failed to delete or correct the inaccurate information. This is the second CFPB complaint I have filed regarding these inaccurate XXXX XXXX tradelines. The prior complaint was recently closed without resolution. This situation mirrors the exact pattern identified in the CFPBs XX/XX/XXXXXXXX Consent Order against Equifax ( File No. XXXX ), in which Equifax was ordered to XXXX a {$15.00} XXXX civil money penalty for failing to conduct proper investigations of consumer disputes. The CFPB found that Equifax ignored consumer-submitted evidence, allowed inaccuracies to remain on reports, provided confusing results letters, and used flawed processes the same failures occurring here. Requested Relief : Immediate and thorough reinvestigation of both XXXX XXXX tradelines, including direct verification with XXXX regarding the money order payment I sent in XX/XX/XXXXXXXX ( almost three years ago ) and any original account documentation. Permanent deletion of both tradelines ( {$150.00} and {$160.00} accounts ) from my Equifax credit report to match XXXX deletion. Written confirmation once the deletions are complete. An order directing Equifax and its furnisher XXXX XXXX to cease reporting this inaccurate, paid, and unverifiable information. This inaccurate reporting is actively harming my credit score and my ability to obtain credit on fair terms. Given Equifaxs documented history of the exact same violations ( as established in the XX/XX/XXXXXXXX CFPB order ), the prior XXXX deletion, the payment made directly to XXXX in XX/XX/XXXX ( nearly three years ago ), the complete lack of original-creditor verification from XXXX XXXX XXXX and the fact that my previous CFPB complaint was closed without relief, I respectfully request that the CFPB treat this as a high-priority matter and take appropriate enforcement action. Thank you for your assistance. Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation