Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Submission Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XX/XX/year> Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During Active Investigation Account No. : XXXX To Whom It XXXX Concern : I am filing this complaint against XXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Truth in Lending Act ( TILA ), 15 U.S.C. 1666 et seq., regarding their handling of my dispute on the above-referenced account. 
On XX/XX/year>, I submitted a formal dispute to XXXX XXXX challenging the accuracy of the XXXX delinquency reported for XX/XX/year>. I cited their obligations under the FCRA, including the requirement in 1681s-2 ( a ) ( 3 ) to mark the account as in dispute until the investigation was resolved. 
Instead of complying, XXXX XXXX updated the tradeline on my credit report without marking it as disputed, which is misleading and unlawful under the FCRA. Updating or continuing to report derogatory information while omitting the dispute notation materially misrepresents the status of the account and harms my creditworthiness. 
Violations by XXXX XXXX XXXX XXXX XXXX to XXXX Account as Disputed Apple FCU did not report the tradeline as disputed, violating 15 U.S.C. 1681s-2 ( a ) ( 3 ). 
Improper Updating During XXXX XXXX XXXX updated the account with new reporting while the dispute was still pending, which is not allowed during an active investigation. 
Failure to Provide Required Notices I never received the 1681s-2 ( a ) ( XXXX ) negative information notice. XXXX XXXX must provide proof of mailing or electronic delivery. 
Failure to Provide Documentary Evidence Apple FCU has not produced billing statements, delinquency notices, or payment records verifying the XX/XX/year> late payment. Without such evidence, the delinquency is unverifiable and must not be reported under 1681s-2 ( b ). 
Relief Requested I respectfully request that the CFPB : Compel XXXX XXXX to immediately mark this tradeline as in dispute with all credit reporting agencies until the investigation is resolved. 
Require XXXX XXXX to cease reporting unverifiable delinquencies unless supported by competent documentary evidence. 
Investigate XXXX FCUs compliance practices regarding FCRA 1681s-2 ( a ) ( XXXX ) and 1681s-2 ( b ).

Ensure correction or removal of inaccurate reporting from my credit file. 
XXXX XXXX XXXX to update the account to reflect accurate active payment history, instead of false derogatory information. 
Enclosures : Original dispute letter to XXXX XXXX ( XX/XX/year> ) Proof of identity and address Credit report screenshot showing updated tradeline without dispute notation Thank you for your attention to this matter. I request that the CFPB investigate and require Apple FCU to correct these violations to ensure fair and accurate credit reporting. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief