Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Date : XX/XX/XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA XXXX XXXX  Account To Whom It May Concern, This letter is a formal dispute submitted pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, regarding inaccurate and misleading information currently appearing on my Equifax credit report related to an account reported by XXXX XXXX XXXX. 

Disputed Account Details : Creditor : XXXX XXXX XXXX Balance : {$800.00} Status : Open ( incorrect ) Reported Date Opened : XX/XX/XXXXXXXX  Issue : XXXX XXXX is inaccurately listed as the original creditor This account is materially misreported for the following reasons : 1. XXXX XXXX is not the original creditor, yet the report incorrectly identifies them as such. XXXX XXXX is a third-party debt buyer. Reporting them as the original creditor violates 15 U.S.C. 1681s-2 ( a ), which requires the furnishing of accurate and complete information. 
2. The status is listed as open, despite this being a collection account. Collection accounts are by nature not open lines of credit and should be clearly marked as closed or in collection. Misstating the account type is both inaccurate and misleading.

3. The date opened listed as XX/XX/XXXX misrepresents the actual origination date of the debt, likely referring instead to the date XXXX XXXX purchased the debt. This misrepresentation can improperly extend the period of time this negative item remains on file, which violates 15 U.S.C. 1681c ( a ). 



Legal Precedents : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit bureaus must conduct a reasonable reinvestigation, not just rely on the furnishers data. Parroting inaccurate or incomplete data violates the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) : Reporting data that is technically accurate but misleading still violates the FCRA. 
XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : Furnishers must ensure their data is not only accurate but not misleading or incomplete in context. 



Request for Action : Pursuant to 15 U.S.C. 1681i, I formally request that Equifax : 1. Conduct a full reinvestigation into the XXXX XXXX account 2. Correct or delete the account if it can not be verified with accurate and complete data 3. Remove the misleading designation of XXXX as the original creditor 4. Correct the account status to reflect the proper closed/collection status 5. Confirm or correct the date opened to reflect the original creditors date, not the date of debt purchase FDCPA Validation Demand : Further, I request that you notify XXXX XXXX  of this dispute and that validation of the alleged debt be provided pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. They must produce : Proof of the original creditor and account Chain of assignment Itemized breakdown of the {$800.00} balance Legal basis for reporting this debt Deadline : Please complete your reinvestigation and provide a written response within 30 days, as required by 15 U.S.C. 1681i ( a ). Failure to comply may result in legal action, regulatory complaints, or both. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief