Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint against Equifax for reporting inaccurate information on my credit report, specifically regarding an erroneous designation of " ACCOUNT PREVIOUSLY IN DISPUTE '' This designation appears on multiple accounts that I have not disputed, including accounts with a perfect payment history and no issues that would warrant a dispute. I believe this error is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), and I seek immediate correction and clarification of this issue. 

BACKGROUND : I recently reviewed my credit report, and I noticed that Equifax is incorrectly marking a BRAND NEW credit card with XXXX XXXX as " ACCOUNT PREVIOUSLY IN DISPUTE. '' This account is literally less than XXXX XXXX  old. As such, it * just * started reporting. I haven't disputed it because XXXX ) it isn't derogatory and XXXX ) I HAVEN'T HAD TIME TO. 

Several other accounts bear this declaration -- even accounts that have excellent payment histories with no late payments or derogatory marks. I have never initiated a dispute for any of these accounts. As such, it is perplexing and erroneous for Equifax to be reporting them as disputed. 

This error is not only damaging to my credit score but also misleading to potential lenders, as it presents an inaccurate picture of my creditworthiness. This blanket designation applied to all my accounts is clearly retaliatory in nature, and as such, I am seeking relief via the CFPB. 

LEGAL VIOLATIONS : This erroneous reporting violates the following provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA Section 607 ( Accuracy of Credit Reporting ) : Under 15 U.S.C. 1681e ( b ), a consumer reporting agency must follow reasonable procedures to ensure maximum possible accuracy of the information it reports. Equifax 's inaccurate designation of accounts as " previously in dispute '' violates this obligation, as it provides incorrect information to creditors and adversely affects my credit report.

FCRA Section 609 ( Right to Dispute Inaccurate Information ) : Under 15 U.S.C. 1681g ( a ) ( 1 ), I am entitled to accurate information on my credit report. The false reporting of these accounts as disputed constitutes an unlawful and misleading entry, which could negatively impact my ability to obtain credit. 

FCRA Section 611 ( Dispute Resolution Process ) : According to 15 U.S.C. 1681i ( a ), if I were to dispute any account, the credit reporting agency must investigate and update my report with the correct status within 30 days. However, I have not disputed these accounts, and Equifax should have no reason to flag them as disputed. Their reporting is misleading and fails to reflect the accurate status of these accounts.

FCRA Section 616 ( Civil Liability for Willful Non-Compliance ) : If Equifax has willfully failed to comply with its obligations under the FCRA, I may be entitled to damages for any harm caused by the inaccurate reporting. This includes any negative impact on my creditworthiness resulting from the false reporting of disputed accounts. 

CONCLUSION : Equifax 's actions are detrimental to my financial well-being and violate my rights under the FCRA. I respectfully request that the CFPB take swift action to ensure this issue is resolved, and that Equifax complies with federal law regarding the accuracy of credit reporting. 

Also, while they claim to have corrected my name from " XXXX XXXX, '' that is demonstrably false. See the attached letters they * just * sent me. I just moved to XXXX in the last XXXX XXXX. I've yet to get a letter addressed to my correct name. They are either not taking the steps to correct my reports or trolling at this point. Both are illegal. 

I have copied Experian and Transunion because it is my understanding that they sometimes " take ques '' from Equifax. Thank you for your attention to this matter. I look forward to a prompt resolution.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation