Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX High Country Circle XXXX Texas, XXXX SSN : XXXX XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX To : Subject : Formal Dispute of Inaccurate Information under FCRA XXXX XXXX  Dear Major Credit Bureaus, I am writing to formally dispute inaccurate, outdated, and unverifiable information appearing on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

The account in question is listed as : Creditor Name : XXXX XXXX Account Number : XXXX Status : Closed ; Settled for less than full balance Late Payments : 10+ ( ranging from 30 to 150 days late ) This item contains multiple violations of the FCRA and is causing undue damage to my credit profile : 1. Unverifiable & Incomplete Reporting ( FCRA 1681i & 1681s-2 ) : The account was settled over 7 months ago. There is no verifiable evidence provided to justify the continued presence of derogatory data. I demand a copy of the full investigation supporting these derogatory notations.

2. Obsolete Negative History ( FCRA 1681c ( a ) ( 4 ) - ( 5 ) ) : Late payment data from more than 24 months ago is still being factored in, which exceeds fair reporting practices.

3. Misleading Status Representation : Reporting settled for less than full balance without updated remarks on all three bureaus is incomplete and misleading, violating 1681e ( b ) and creating disparate consumer harm.

4. Dispute Not Properly Notated ( FCRA 1681s-2 ( a ) ( 3 ) ) : The account was previously disputed but lacks the proper remark of " Account in Dispute '' on all bureaus as required.

I am formally requesting the permanent deletion of this item from my credit report due to failure to comply with federal reporting standards and lack of verifiable documentation. If this item can not be fully validated within 30 days, it must be removed in accordance with the FCRA.

Please send me an updated copy of my credit report once this investigation is complete. 
Sincerely, XXXX XXXX XXXX XXXX DISPUTE LETTER # XXXX XXXX XXXX ( Experian, Equifax, TransUnion ) XXXX XXXX XXXX XXXX XXXX country circle XXXX Texas XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX To : Experian / Equifax / TransUnion Subject : Formal Dispute of Inaccurate Account XXXX ( FCRA 1681i & 1681e ( b ) ) Dear Experian / Equifax / TransUnion, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. regarding the account listed as : Creditor XXXX XXXX Account Number : XXXX Reported Balance : Varies across bureaus ( {$310.00} {$460.00} ) Status : Open, with past-due history Late Payments : At least 3 ( XX/XX/XXXX, XX/XX/XXXX, others ) Credit Limit : {$300.00} ( utilization over 100 % ) This account violates several federal credit reporting laws and must be removed for the following reasons : VIOLATIONS : Inconsistent and Inaccurate Reporting ( FCRA 1681e ( b ) ) : Balances, past due status, and payment histories are reported differently across Experian, Equifax, and TransUnion , which is misleading and fails to meet the requirement that all information be accurate and consistent.

Excessive Utilization Not Correctly Contextualized ( FCRA 1681g ) : The account is reporting balances that exceed the limit ( 106 % 154 % utilization ). If these amounts are due to penalty or deferred billing, they must be clearly disclosed. Otherwise, this is misrepresentative and punitive.

Questionable Re-aging of Debt ( FCRA 1681c ( c ) ( 1 ) ) : The reporting of late payments appears to be resetting delinquency clocks beyond what is permitted under the statute of limitations and standard industry practice.

Failure to Properly Note Previous Dispute ( FCRA 1681s-2 ( a ) ( 3 ) ) : I previously disputed this account with one or more bureaus, yet the required " Account in Dispute '' notation is missingthis is a direct violation of the FCRA.

Given these violations and the lack of uniformity or verified accuracy, I am demanding permanent deletion of this account from my credit file within 30 days as required by FCRA 1681i ( a ) ( 5 ).

Please provide me with : Written confirmation of deletion A full description of the investigation conducted An updated copy of my credit report Failure to comply will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ). 

Sincerely, XXXX XXXX XXXX DISPUTE LETTER XXXX XXXX : Combined Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Texas XXXX XXXX : XXXX Date of Birth : XX/XX/XXXX XX/XX/XXXX To : Experian / Equifax / TransUnion Subject : Formal Dispute of Multiple Inaccurate, Obsolete, or Unverifiable Accounts Dear Experian / Equifax / TransUnion : I am writing to formally dispute the reporting of the following closed accounts on my credit file under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

ACCOUNT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Original Balance : {$1800.00} Status : Closed, paid in settlement Derogatory Notations : Charge-off, settlement remarks, multiple late payments ( XXXX ) Bureau Violations : No verifiable documentation provided regarding amount written off Paid in full for less than full balance without context violates 1681e ( b ) No recent activity yet derogatory notations remain prominently reported No confirmation of legal ownership of the debt post-sale or settlement ACCOUNT XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : Closed by credit grantor Balance : {$0.00} Late Payments : At least one ( XX/XX/XXXX ) Limit : {$200.00} ( with peak balance exceeding {$800.00} ) Bureau Violations : Overstated delinquency and utilization ( peaked at 400 % + usage ) Reporting lates despite consumer payoff and account closure Lack of clarity on grantor closure reason violates 1681g ( a ) Negative data reported long after closure LEGAL BASIS FOR DELETION : These items violate several provisions of the FCRA, including : 1681e ( b ) : Failure to maintain maximum possible accuracy 1681i ( a ) : Duty to reinvestigate upon dispute within 30 days 1681c ( a ) ( 5 ) : Reporting of obsolete or outdated information 1681g ( a ) ( 2 ) : Failure to provide clear source or ownership trail 1681s-2 ( a ) ( 1 ) ( A ) : Continuing to furnish inaccurate data knowingly I am demanding permanent deletion of both accounts from my credit report across your system. If you can not verify the accuracy and completeness of each item with the original furnisher within 30 days, you are legally obligated to remove them under FCRA 1681i ( a ) ( 5 ) ( A ).

Please provide me with : A full summary of your investigation A written statement of deletions or corrections A free updated copy of my credit report ( FCRA 1681j ) Failure to comply may result in action with the CFPB, FTC, and relevant state authorities for non-compliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief