Consumer complaint received 2025-09-29 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: CA

Complaint narrative:
This is a repeated complaint against Equifax under the Fair Credit Reporting Act ( FCRA ). 

After my first complaint, no corrections were made. 

Importantly, XXXX itself provided an official contract directly to the CFPB about one month ago. That contract clearly shows that the outstanding balance is {$16000.00}. This is not my claim it is documented evidence from the creditor submitted through the CFPB process. 

Despite this, Equifax continues to report the balance as {$14000.00}. This discrepancy misrepresents the account and creates an inaccurate and misleading credit history. 

Equifax is violating the following provisions of the FCRA : 1. * * FCRA 607 ( b ) Duty of Accuracy. * * Credit reporting agencies must ensure that the information they report is complete and as accurate as possible. By showing {$14000.00} instead of the documented {$16000.00}, Equifax is knowingly publishing false information, which directly harms the integrity of my credit report and misleads potential lenders.

2. * * FCRA 611 ( a ) Right to Reinvestigation. * * When a consumer disputes information, Equifax is required to conduct a reasonable reinvestigation to verify the accuracy of the data. After my first dispute, Equifax failed to perform this duty, leaving the incorrect balance on my report. This shows that Equifax either did not properly investigate or ignored the verified evidence available.

3. * * FCRA 611 ( a ) ( 5 ) ( A ) Deletion of Unverifiable Information. * * If disputed information can not be verified with supporting evidence, it must be deleted from the consumers credit file. Equifax has continued to report this account with an incorrect balance even though the creditors own contract, submitted to the CFPB, proves otherwise. By keeping unverifiable and inconsistent data, Equifax is violating this section of the law. 

By continuing to report false and inconsistent information, Equifax is undermining my credit history and violating my consumer rights. This is a repeated violation. I respectfully ask the CFPB to intervene to ensure that Equifax complies with the FCRA and resolves this matter properly. 

In addition, I request a full verification of every data field for this XXXX trade line, not only the balance. Equifax must verify and provide documented proof for : account status, date of first delinquency ( DOFD ), date of charge-off, full payment history ( including dates and amounts ), date of last activity, account type, original creditor name, account opening date, and any adjustments or settlements. 

If Equifax can not produce verifiable documentation for each of these items matching the official XXXX contract and records submitted to the CFPB, I demand the immediate deletion of the entire XXXX trade line from my credit report. I also request that Equifax provide me with the verification documents and a full written explanation of any changes made, including who provided the verification and what documents were used.

Company response to consumer: Closed with explanation