Consumer complaint received 2025-08-31 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 XXXX XXXX XXXX, TX XXXX Phone : XXXX DOB : XX/XX/XXXX SSN ( last 4 ) : XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Inaccurate/Unverifiable Accounts Reference : XXXX Report XXXX ( FCRA 607 ( b ), 611 ; 623 ( a ) ( 5 ) ; FDCPA 809 ; HIPAA ; XXXX XXXX XXXX To Whom It May Concern, I am disputing the accuracy, completeness, and legality of the following entries on my Equifax file. These tradelines are factually inaccurate, unverifiable, and non-compliant with XXXX XXXX standards. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and applicable provisions of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., please conduct a reasonable reinvestigation and delete or correct as required.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- DISPUTED ACCOUNTS -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- 1 ) COLLECTION MANAGEMENT ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX | Status : Unpaid | Comments : XXXX Basis for Dispute : FCRA 623 ( a ) ( 5 ) : Missing Date of First Delinquency ( DOFD ) required for derogatory reporting.

FCRA 611 ( a ) ( 1 ) ( A ) : Entry is incomplete/unverifiable ; balance/date inconsistencies. 
HIPAA Privacy Rule : Report discloses provider name XXXX XXXX XXXX  ( improper XXXX disclosure ). 
XXXX XXXX : DOFD ( Field 25 ) missing ; Account Status ( Field 17 ) improper/blank ; no XXXX  dispute code applied. 

2 ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX | Status : Unpaid | Comments : XXXX  Basis for Dispute : Duplicate/mirroring entry with unverifiable balance. 
FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ) : Inaccurate and incomplete ; must be corrected or deleted.

HIPAA concern : Provider name disclosed. 
XXXX XXXX : Missing DOFD ; improper status coding ; XXXX  dispute flag not applied. XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX Status : Unpaid | Comments : XXXX  Basis for Dispute : FCRA 623 ( a ) ( 5 ) : DOFD not reported ; record incomplete.

FCRA 611 ( a ) ( 1 ) ( A ) : Balance/ownership not validated ; unverifiable.

HIPAA : Improper disclosure of medical provider. 
XXXX XXXX : Missing DOFD ; invalid/inconsistent status coding ; XB flag not present.

4 ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account Number : XXXX | Status : Collection/Debt Buyer Basis for Dispute : FCRA 623 ( a ) ( 1 ) ( A ) : Inaccurate reporting ; non-standard/invalid status coding noted ( XXXX not a valid XXXX  XXXX code ). 
FCRA 623 ( a ) ( 5 ) : Missing DOFD ; record incomplete and unverifiable.

FDCPA 809 ( b ) : As a debt collector/debt buyer, validation is required provide original contract and full chain of title. 
XXXX XXXX : Missing DOFD ; improper status coding ; no XXXX  dispute flag during active dispute. 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- METHOD OF VERIFICATION ( FCRA 611 ( a ) ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- If any item is verified, provide : 1 ) Furnishers full name, address, and phone number ; 2 ) The name/title of the individual who verified ; 3 ) Copies of original source documents relied upon ( signed contracts, itemized statements/payment histories, and assignment/sale/chain-of-title documents, as applicable ).

An automated e-OSCAR response is insufficient to meet the reasonable reinvestigation standard.

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- RELIEF REQUESTED -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Delete any account you can not verify with original, competent evidence ; otherwise correct to full XXXX XXXX compliance ( including DOFD and accurate status coding ) and apply the XXXX  dispute code during reinvestigation. 
Provide the written results of your reinvestigation and an updated copy of my Equifax report within 30 days, as required by FCRA 611 ( a ). 

Sincerely, XXXX XXXX XXXX XXXX Attachments ( copies only, no originals ) : Government-issued ID ( front ) Proof of address ( utility bill ) Highlighted copy of MyScoreIQ Report XXXX pages showing the disputed items Any supporting documentation

Company response to consumer: Closed with explanation