Consumer complaint received 2025-06-02 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:
To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute and Validation Request XXXX XXXX Account # XXXX Reporting Violation under FCRA 1681e ( b ), 1681i, and 1681s-2 Dear Equifax Dispute Department , I am formally disputing the accuracy and completeness of an account listed on my credit report under the name XXXX XXXX XXXX Account # XXXX, as provided by your agency. 



Upon reviewing the information reported on my credit file via myScoreIQ, I have identified multiple violations of the Fair Credit Reporting Act ( FCRA ) and am requesting an immediate reinvestigation and validation of the information. 

Summary of Discrepancies and FCRA Violations Account Status Conflict The account is simultaneously reported as an Open Account ( under Account Type ) and Closed ( under Account Status ). These contradictory entries are materially misleading and constitute inaccurate reporting under FCRA 1681e ( b ), which requires consumer reporting agencies to follow procedures to assure maximum possible accuracy.

Missing Required Information The account lacks critical fields such as : Monthly Payment Payment Status Payment History Date of Last Payment Without these details, the report is incomplete and misleading, violating FCRA 1681c ( a ) and 1681e ( b ). 

Balance Reporting Without Validation The report shows a balance and past due amount of {$3000.00} but does not provide supporting documentation or a payment breakdown. This suggests that unverifiable debt may be reported, which is prohibited under FCRA 1681i ( a ) and 1681s-2 ( b ). If the furnisher can not validate the debt, it must be deleted from the report. 

Reinvestigation in Progress Improper Reporting The comment Consumer Disputes Reinvestigation in Progress Collection Account is present, yet the tradeline remains fully visible and harmful. Under FCRA 1681i ( c ), disputed information under reinvestigation must not be displayed in a way that suggests the consumer agrees with or accepts the debt unless verified.

No Reporting to Other Bureaus This tradeline is reported to Equifax only, and is not reported to TransUnion or Experian, indicating selective reporting and inconsistent treatment, which can result in unfair harm to the consumer. This may constitute a violation of FCRA 1681s-2 ( a ) if the furnisher provides incomplete data or fails to update all credit bureaus equally.

Demand for Immediate Action Pursuant to my rights under the Fair Credit Reporting Act, I request the following : Reinvestigate the XXXX XXXX account listed above. 

Validate the account by providing : A signed service agreement or contract with XXXX XXXX A full billing history with itemized charges Proof of final balance owed and collection authority ( if applicable ) Chain of custody of debt ( if sold or transferred ) Suppress or remove the account until validation is complete.

If validation is not completed within 30 days, delete the tradeline entirely from my credit file under FCRA 1681i ( a ) ( 5 ) ( A ).

Enclosures Provided Copy of credit report highlighting the disputed account Government-issued ID Proof of address ( utility bill or bank statement ) Notice of Escalation If Equifax does not correct or remove this inaccurate information within 15 days, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state attorney general. I will also consider legal action for damages under FCRA 1681n and 1681o. 



Please respond to this dispute in writing within 15 days, as required by law.

Company response to consumer: Closed with explanation