Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
Based on a thorough analysis of the credit report dated XX/XX/XXXX, prepared for XXXX XXXX XXXX, the following inconsistencies, discrepancies, or violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) have been identified : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct XXXX XXXXXXXX ) : Still reporting {$4200.00} balance on Equifax despite prior CFPB agreement to delete the tradeline. Possible violation of FCRA 1681s-2 ( b ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Acct XXXX XXXXXXXX ) : Charged off and sold XX/XX/XXXX. Still reporting {$780.00} on Equifax as of XX/XX/XXXX. Status and balance should reflect {$0.00} and 'Sold or Transferred '. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct XXXX XXXX XXXX XXXX XXXX ) : Reported as closed but marked with serious delinquencies and narrative codes 'Collection Account ' even after account paid for less than full balance and disputes filed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Acct XXXX XXXXXXXX ) : Status shows XXXX Days Past Due " though consumer disputes timely closure. Consider reviewing original creditor records. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct XXXX  XXXX ) : Multiple delinquencies across XXXX despite consumer disputes. Verify timeline and furnish proof of delinquency. 
XXXX XXXX XXXX XXXX XXXX XXXX  ( Acct XXXX XXXXXXXX ) : Payment history reflects 30120 days late marks despite ongoing payment activity ; inconsistent with consumer-reported payments. 
XXXX XXXX XXXX XXXX XXXX XXXX ( Acct XXXX  XXXX ) : Marked 3090 days late on multiple months even after account closed. Verify the post-closure reporting is accurate. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX ) : Listed with a series of delinquencies ( 30150 days ) with a {$0.00} balance and 'Pays As Agreed ' status. This contradiction should be reconciled. 

Under FCRA 1681i, any item of information disputed by a consumer must be investigated, and inaccurate or unverifiable information must be corrected or removed within 30 days. Under FDCPA 809 ( a ), debt collectors must provide proper validation of a debt upon request, which may be missing or incomplete in the above accounts. 

Please investigate these discrepancies and update the status of each disputed account accordingly. If these inaccuracies can not be verified, I request immediate correction or deletion under applicable consumer protection laws. 

Applicable Consumer Laws and Validation Demands The following federal laws are applicable to the discrepancies noted above and are hereby cited in support of this request for reinvestigation and correction : - Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i : Mandates that credit reporting agencies must reinvestigate disputes within 30 days and delete or correct any unverifiable or inaccurate information. 
- FCRA 1681s-2 ( b ) : Requires furnishers of credit information to investigate disputed information and report results to credit reporting agencies. If unverifiable, they must delete or correct the data.

- FCRA 1681e ( b ) : Requires credit bureaus to maintain accurate and up-to-date information in consumer credit reports. 
- Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( a ) : Requires debt collectors to provide written validation of the debt within five days of the first communication, including amount owed and original creditor.

- FDCPA 1692e and 1692f : Prohibit the use of false, deceptive, or unfair practices in the collection of consumer debts. 

I hereby demand validation and reinvestigation of all the above-referenced accounts and information. Each tradeline that remains unverifiable or inaccurate must be corrected or deleted per the statutes outlined. Please provide full documentation for each account being reported, including date of last payment, full payment history, and verification from the original creditor or data furnisher. 

Failure to comply with these requests may result in further formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action.

Company response to consumer: Closed with non-monetary relief