Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Formal Complaint Willful Inaccurate Reporting by TransUnion & Equifax To Whom It May Concern, I am submitting this formal complaint regarding willful and repeated inaccurate reporting by TransUnion LLC and Equifax Information Services LLC, which is materially misrepresenting my credit history.

The following accounts, all paid in full and satisfied as agreed, continue to show late payments, active balances, and incorrect statuses : XXXX XXXX XXXX XXXX Paid in Full Issue : Reporting late payments and active balances. 

XXXX XXXX XXXX XXXX ( XXXX ) Account Number : XXXX, Paid in Full ( XX/XX/XXXX ) Issue : Reporting late payments and active payment history. 

XXXX Paid in Full  ( XX/XX/XXXX ) Issue : Reporting late payments, active balances, and incorrectly showing charged-off status. 

XXXX XXXX XXXX Account Number : XXXX, Paid in Full ( XX/XX/XXXX ) Issue : Reporting late payments despite account closure and full payment. 

These errors are misleading, deceptive, and directly harm my creditworthiness, making it appear as if I have a history of missed payments and unpaid debts. 

Legal Violations : The reporting of these fully paid accounts violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) : FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Mandates maximum possible accuracy in credit reporting.

FCRA 611 [ 15 U.S.C. 1681i ] Requires reasonable reinvestigation of
disputed information.

FCRA 623 ( a ) ( 1 ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ] Prohibits furnishers from providing inaccurate information.

FCRA 623 ( a ) ( 2 ) [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] Obliges furnishers to correct inaccuracies once discovered.

FCRA 1681n & 1681o Provides for statutory damages and liability for willful or negligent violations.

I have previously disputed these inaccuracies with both TransUnion and Equifax, yet they continue to report false information. This constitutes a willful and negligent violation of federal law, exposing the bureaus to potential claims for statutory damages, actual damages, and attorney fees.

Requested Action : Immediate investigation of the accounts listed above.

Correction or complete deletion of all inaccurate late payments, active balances, and charged-off statuses.

Update payment histories to accurately reflect Paid in Full or Closed/Satisfied as Agreed.

Written confirmation of all corrections and deletions.

Notification to all creditors who have accessed these reports that the previously reported information was inaccurate, if legally required.

This complaint is being submitted to the CFPB to ensure enforcement of my FCRA rights and to prevent further damage to my credit. Failure to act promptly may result in formal legal action for willful violation of federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief