Consumer complaint received 2025-06-05 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: GA

Complaint narrative:
I am writing to formally dispute inaccuracies in my credit report, specifically related to XXXX XXXX XXXX payment accounts that have been misreported. This letter constitutes formal notice of your noncompliance with federal law regarding the reporting and handling of these accounts. I hereby demand the immediate removal of the inaccurate late payment history and request that the relevant accounts be updated to reflect a status of " XXXX XXXX XXXX '' XXXX. Fair Credit Reporting Act ( FCRA ) - XXXX XXXX Code XXXX Section XXXX Procedure in Case of Disputed Information Under the FCRA, consumer reporting agencies must conduct a reasonable reinvestigation once a consumer disputes the accuracy of information. Failure to do so constitutes a violation. 

Violations Include : Failure to conduct a proper reinvestigation of disputed XXXX payment accounts. 

Failure to remove inaccurate information after verification of its inaccuracy. 

Failure to update records to reflect XXXX XXXX XXXX XXXX XXXX when the consumer has proven the account is in good standing. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( b ) Consumer reporting agencies must ensure credit report information is as accurate as possible. Inaccurately reporting accounts as XXXX especially when theyve been paid on time, directly violates this requirement. 

Violations Include : Reporting XXXX payments without substantiating documentation. 

Failure to update resolved accounts to reflect accurate payment history. 

Continuing to report accounts as open with XXXX  despite being XXXX XXXX XXXX 

XXXX. Willful Noncompliance XXXX XXXX XXXX XXXX If violations of the FCRA are willful, consumers are entitled to statutory and punitive XXXX 

Violations Include : Refusing to correct errors despite being notified. 

Failing to conduct reinvestigations in good faith. 

Persisting in publishing inaccurate credit data. 

XXXX. False Reporting of XXXX Payments XXXX XXXX XXXX XXXX A consumer report XXXX only be issued for a permissible purpose. Misreporting XXXX payments without proof violates this statute. 

Violations Include : Failing to verify and document XXXX  payment history. 

Ignoring disputes and continuing to furnish inaccurate data. 

XXXX. Negligent Noncompliance XXXX XXXX XXXX XXXX Even negligent violations of the FCRA are grounds for XXXX 

Violations Include : Not correcting reporting errors despite disputes. 

XXXX incorrect XXXX payment data without timely correction. 

XXXX. Legal Penalties and XXXX for XXXX If these issues are not fully resolved within XXXX  days of receipt of this notice, I will take the following actions : File for XXXX XXXX under XXXX. 

Seek actual XXXX XXXX XXXX to my credit and finances. 

Pursue XXXXXXXX XXXX  for willful violations. 
Initiate legal proceedings for defamation and financial injury. 
Disputed Accounts and Demands for Deletion or Correction XXXX. XXXX OF XXXX XXXX * * * * Delete this account immediately. It is in violation of XXXX XXXX standards, FCRA XXXX ( b ), XXXX ( b ), XXXX, and XXXX XXXX. XXXX is inconsistent, unverifiable, and ignores identity theft concerns. No evidence has been provided despite prior notice. This is willful noncompliance. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX This account violates FCRA XXXX ( b ), XXXX ( b ), XXXX ( a ), and XXXX XXXX. XXXX fluctuates without basis or validation. No investigation has been conducted despite notice. Delete this account immediately. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Contains multiple inaccuracies and fails to meet XXXX XXXX and FCRA standards. Selective reporting and unverifiable balances are unacceptable. XXXX deletion is required. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  The account shows multiple inaccuracies in balance, payment history, and dates. This violates FCRA XXXX ( b ), XXXX ( a ), and XXXX XXXX. Delete immediately. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  A derogatory revolving account with a {$1200.00} balance showing conflicting status and history. Delete this for failure to verify, correct, and comply with XXXX XXXX and FCRA standards. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is reporting outdated, inaccurate information with conflicts in payment and status data. Violates FCRA XXXX ( b ), XXXX ( a ), and XXXX XXXX. Remove immediately. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX includes conflicting and inaccurate data in violation of FCRA XXXX ( b ), XXXX ( b ), and XXXX ( a ). Delete immediately. 

XXXX XXXX and Identity Theft XXXX XXXX dated XX/XX/year> I did not authorize this inquiry. Under XXXX, a permissible purpose is required to access a credit report. You failed to produce legal, signed authorization. Due to my compromised identity in recent data breaches, this constitutes a fraudulent inquiry. If not deleted within XXXX business days, I will take legal action. 

Violations Include : Defamation Failure to comply with XXXX and XXXX ( XXXX ) Unauthorized access under XXXX Civil liability for willful ( XXXX ) and negligent ( XXXX ) noncompliance Request for Verification and Proof I request that you provide : Documentation supporting any derogatory status A detailed method of verification ( XXXX ( XXXX ) ) Evidence of permissible purpose ( XXXX ) Proof of proper reinvestigation If these demands are not met within XXXX days, I will pursue all available legal remedies including claims for damages and regulatory complaints. 
Thank you for your prompt attention to this matter. I expect complete compliance with the Fair Credit Reporting Act and immediate removal or correction of all inaccurate and unverifiable information.

Company response to consumer: Closed with non-monetary relief