Consumer complaint received 2025-09-13 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: VA

Complaint narrative:
As of XX/XX/year> Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Formal Dispute Inaccurate and Misleading Reporting of XXXX  Account ( also listed as XXXX XXXX ) To Whom It May Concern, I am writing to formally dispute the reporting of the account associated with XXXX XXXX XXXX XXXX on my Equifax credit file. This account is being reported inaccurately and inconsistently between the credit bureaus, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) and the Federal Trade Commission ( FTC ) regulations governing fair and accurate credit reporting. 

Discrepancies Identified Inconsistent Creditor Name : Equifax reports the furnisher as XXXX XXXX while the other credit bureaus report the furnisher as XXXX. This inconsistency creates confusion and constitutes the reporting of inaccurate information under 15 U.S.C. 1681e ( b ).

Inconsistent Remarks : Equifax reports this account in the remarks section as a Paid Collection, while other credit bureaus accurately report the account as Paid/Closed. This misleading classification materially impacts how lenders evaluate the account. 

Adverse Credit Impact : Because of Equifaxs inconsistent and misleading reporting, my credit score has dropped XXXX points, directly harming my creditworthiness and ability to secure favorable terms for credit.

Violations of Federal Law FCRA, 15 U.S.C. 1681e ( b ) : Requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information. Reporting conflicting creditor names and remarks violates this section.

FCRA, 15 U.S.C. 1681i ( a ) : Requires credit reporting agencies to conduct a reasonable reinvestigation when notified of a dispute. You must immediately reinvestigate and correct or delete inaccurate information.

FCRA, 15 U.S.C. 1681s-2 ( b ) : Furnishers are required to provide accurate information and correct discrepancies upon notice of a dispute. Equifaxs failure to ensure consistency with other bureaus constitutes a violation.

FTC Guidance & Deceptive Pra
ctices ( 15 U.S.C. 45 ) : The FTC has made clear that reporting inaccurate or misleading credit information that materially harms consumers constitutes an unfair or deceptive act.

Demand for Immediate Action I hereby demand that Equifax : Delete this account from my credit file immediately, or Correct the reporting to ensure full consistency across all three bureaus ( including creditor name and remarks ). 

Failure to take corrective action within 15 days of receipt of this letter will result in this matter being added as a supplemental claim in my pending Notice of Intent to Arbitrate against Equifax. 

Please provide me with written confirmation of deletion or correction of this account. If you verify the account, I demand full documentation of validation from the furnisher, including the original contract, chain of ownership, and accurate status.

Company response to consumer: Closed with non-monetary relief