Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX Request for Deletion of Charged-Off Account XXXX XXXX XXXX XXXX XXXX XXXX TransUnion & Equifax XXXX XXXX XXXX XXXX Subject : Request for Investigation and Deletion under 15 U.S.C. 1681i & 1681s-2 ( b ) XXXX XXXX  Dear CFPB, I am writing to formally dispute the account listed below on my credit report. I am requesting that you conduct a full investigation and remove this entry from my credit report in accordance with the * * Fair Credit Reporting Act * * ( XXXX XXXX. XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$13000.00} - XXXX XXXX Date Closed : XXXX XXXX XXXXXX/XX/year> This account has been inaccurately reported and is negatively impacting my credit score. I request immediate verification from the data furnisher, as required under * * 15 U.S.C. 1681s-2 ( b ) * *. If the information can not be verified, the item must be deleted. 

Furthermore, I request the bureaus ensure all data being reported is * * accurate and complete * *, pursuant to * * 15 U.S.C. 1681e ( b ) * *. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for XXXX XXXX XXXX XXXX XXXX Days Past Due ) XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX  Subject : Dispute and Request for Validation 15 U.S.C. 1681i, 1681e ( b ), 1692g * * Please consider this a formal dispute of the following entry : - * * Creditor : * * XXXX XXXX XXXX - * * Account Number : * * XXXX * * * * ( TransUnion )/ XXXX ( Equifax ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> I am requesting that this account be * * fully validated * * and * * updated or removed * * from my credit report. If XXXX XXXX is reporting inaccurate information or has failed to properly validate the debt, the entry must be deleted per * * 15 U.S.C. 1681i ( a ) * * and * * 1692g * * ( Fair Debt Collection Practices Act ). 
I also demand evidence that XXXX XXXX is legally authorized to collect or report on this debt and that the amount reported is accurate. 

* * Status of National Credit Adjusters account : * * On Equifax, the * * XXXX XXXXXXXX XXXX ( XXXX ) * * collection is labeled as * * ( CLOSED ) * * in the account heading, even though a balance of \ {$3000.00} is still unpaid. Experian and TransUnion list XXXX as an active open collection with that balance due. Its unusual for a collection account to be marked closed while unpaid ; this could indicate that XXXX might have closed their collection file or transferred the debt. 

If so, the Equifax entry may need to reflect a * * \ {$0.00} balance * * ( if the debt was pulled back or sold ) or be removed if its no longer being actively reported by that agency. This discrepancy in account status across bureaus warrants investigation and deletion. 


Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with non-monetary relief