Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
I am submitting this complaint against Equifax Information Services LLC for inaccurate and misleading reporting on a XXXX XXXX XXXX account ( Account No. XXXX ) that appears on my Equifax credit report. 

XXXX XXXX XXXX is a debt buyer that purchased this account from XXXX XXXX. The account is marked XXXX, yet Equifax continues to report ongoing C ( collection ) activity for recent years. The data displayed is inconsistent, incomplete, and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

I am not requesting a correction. 
I am requesting a full deletion of this account because the reporting is unverifiable, contradictory, and can not be trusted to meet federal accuracy standards.

1. Violation of FCRA 1681e ( b ) Failure to Ensure Maximum Possible Accuracy The FCRA requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. 

Equifax has failed to do so in several ways : Missing Required Data Fields The report for Account No. XXXX leaves the following fields blank : Date Closed Date of Last Payment Charge-Off Amount Actual Payment Amount These are essential data points required to verify the accuracy and completeness of any account record. Their absence means the information is incomplete and can not be verified. 

Contradictory Account Status The account is listed as Closed, yet Equifax displays monthly C ( Collection ) codes across XXXX and XXXX. 
A closed account can not continue showing active monthly updates. This contradiction creates a false impression of ongoing delinquency. 

Broken Reporting History From XXXX through XXXX, there is no data at all marked No Data Available followed by new updates in XXXX and XXXX. 
This gap demonstrates Equifax lacks a consistent or verifiable reporting record for this tradeline. 

No Verified Balance or Payment Record Without a recorded charge-off amount or last payment date, there is no way to verify the balance or legal accuracy of this account. 

These combined issues violate 1681e ( b ), as Equifax clearly failed to maintain reasonable procedures to ensure the maximum pos

sible accuracy of this tradeline. 2. Violation of FCRA 1681c ( a ) ( 4 ) & ( 5 ) Reporting Obsolete and Unverifiable Information Equifax reports the Date of First Delinquency ( DOFD ) as XX/XX/XXXX. 

Under the FCRA, negative information like a charge-off or collection may not be reported beyond seven years from the DOFD. That means this account is scheduled to age off by XX/XX/XXXX. 

However, Equifax continues to display recent C ( collection ) notations into XXXX, which makes the account appear newer than it really is. 
This is known as re-aging, and it is a direct violation of 605 ( c ) of the FCRA.

By altering the appearance of delinquency dates through ongoing monthly updates, Equifax is misrepresenting the true age and legal status of this account.

3. Violation of FCRA 1681i ( a ) Failure to Conduct a Reasonable Reinvestigation Under 1681i ( a ), when a consumer disputes information, the credit bureau must reinvestigate and either verify or delete any inaccurate data within 30 days. 

The inconsistencies in this account show that no reasonable reinvestigation has been performed. 
The following errors remain : No date of last payment. 

No charge-off amount. 

Contradictory Closed status with ongoing C notations. 

Multi-year data gaps followed by new updates. 

This pattern demonstrates that Equifax simply recycled unverified data from the furnisher without independently verifying it. 

In XXXX XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3d Cir. 1997 ), the court held that credit bureaus violate the FCRA when they merely parrot information from furnishers instead of conducting their own reasonable investigation. Equifaxs handling of this account reflects that exact behavior.

4. Violation of FCRA 1681c-2 Duty to Delete Information That Can not Be Verified If a credit bureau can not verify the accuracy of information, it must promptly delete it.

Here, Equifaxs own report confirms that critical information is missing or blank including the close date, last payment, charge-off amount, and several years of data history. This means the information can not be verified under any standard of accuracy.

Maintaining this tradeline on my report despite these gaps violates 1681c-2.

5. Misleading and Incomplete Presentation of Account Data Even if some data were technically correct, the way Equifax displays this account creates a misleading impression of my credit behavior. 
The account shows : Closed status alongside recent C notations ( active collection ). 

Multi-year missing data, followed by sudden reappearance of activity. 

No context or verified figures for balance or payments. 

This layout is deceptive because it makes lenders believe there has been recent collection activity when, in reality, the debt is old, inactive, and unverifiable. 

In XXXX XXXX XXXX XXXX, 617 F.3d 688 ( 3d Cir. 2010 ), the court ruled that even technically accurate data can be considered inaccurate under the FCRA if it is presented in a misleading way.

Equifaxs presentation of this tradeline meets that same standard of inaccuracy. 

XXXX. Supporting Case Law Multiple courts have found Equifax and other credit bureaus responsible for the same type of violations I am describing : XXXX XXXX Equifax Information Services LLC, 510 F.3d 495 ( 4th Cir. 2007 ) : Equifax was held liable for willful noncompliance with the FCRA for failing to ensure accuracy. 

XXXX XXXX XXXX, XXXX and Experian Information Solutions , Inc. , 520 F.3d 1066 ( 9th Cir. 2008 ) : Continuing to report inaccurate data after being notified of potential errors was found to be willful noncompliance. 

XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) : The omission of critical data fields that affect interpretation violates 1681e ( b ).

These rulings show a consistent pattern of courts holding bureaus accountable for the same behaviors Equifax is displaying in this account.

7. Requested Resolution I am requesting the immediate deletion of the XXXX XXXX XXXX account ( Account No. XXXX ) from my Equifax credit report. 


The data is structurally incomplete. 

Key fields are missing or unverifiable. 

The ongoing updates create a misleading appearance of recent activity. 

The only lawful and fair remedy under the FCRA is complete deletion of this tradeline. 

XXXX. Requested Actions by the CFPB I respectfully ask that the CFPB : Order Equifax Information Services LLC to delete the XXXX XXXX XXXX account. 

Investigate Equifaxs procedures for handling data from debt buyers like XXXX XXXX. 

Ensure compliance with FCRA accuracy and reinvestigation requirements. 

Attachments Exhibit A : Screenshot of XXXX XXXX XXXX  Account ( Equifax Report XX/XX/XXXX ). 

Exhibit B : Written notes identifying inconsistencies and missing data. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation