Consumer complaint received 2025-05-23 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: IL

Complaint narrative:
Subject : Formal Dispute of Inaccurate Collection Accounts Under FCRA, FDCPA, and Regulation F Dear Credit Reporting Agencies, I am writing to formally dispute and request the deletion or correction of two inaccurate collection accounts currently appearing on my credit reports. The accounts in question are associated with XXXX XXXX ( via XXXX XXXX XXXX XXXX and XXXX XXXX XXXX ( via XXXX XXXX XXXX ). 



These accounts contain numerous material inaccuracies and inconsistencies across the three credit agencies ( Equifax, Experian, and TransUnion ) and appear to violate several federal regulations, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation F. 



XXXX. Account Details and Issues Identified Account XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Inaccurate payment history reported no payments have been made by me, yet payment activity is reflected. 

Account terms and status are inconsistent across Equifax, Experian, and TransUnion. 

Days late and delinquency data do not match factual history and lack accuracy. 

Closing date is misreported or inconsistent. 



Account XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Issues : Incorrect account status and terms reported inconsistently across bureaus. 

Payment history is inaccurately presented as if payments or arrangements have been made, which is false. 

Days late information is internally inconsistent ( e.g., listing 90 days late with no prior 30- or 60-day entries ).

Date closed and balance owed are inaccurate or unverifiable.

2. Legal Violations and Citations Under the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Requires consumer reporting agencies to assure maximum possible accuracy of the information they report.

15 U.S.C. 1681i ( a ) : Mandates a reinvestigation of disputed information within 30 days. If unverifiable, the information must be deleted.

15 U.S.C. 1681s-2 ( a ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. 



Under the Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations in connection with the collection of a debt.

15 U.S.C. 1692g : Requires debt collectors to provide validation of the debt when requested and to cease collection until validation is provided.

Under Regulation F ( 12 CFR Part 1006 ) : Requires collectors to provide clear and complete validation notices. 

Prohibits continued collection or reporting without satisfying validation requirements. 

Requires strict compliance with accurate and verifiable data reporting. 



XXXX. Request for Action I am requesting the following under the rights provided by the FCRA, FDCPA, and Regulation F : XXXX. A full reinvestigation of the XXXXXXXX XXXX XXXXXXXX XXXX XXXX accounts. 

XXXX. Removal or correction of these accounts if the data can not be verified as 100 % accurate and consistent across all credit bureaus. 

XXXX. Written confirmation of the outcome of your investigation and an updated copy of my credit report. 



If these accounts are not corrected or removed within 30 days, I reserve the right to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 



Please respond in writing with your findings. I appreciate your prompt attention to this matter. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief