Consumer complaint received 2025-05-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Information Under FCRA, FDCPA, and Regulation F Dear Equifax Dispute Department, I am writing to formally dispute inaccurate and misleading information being reported on my Equifax credit report related to an account listed under XXXX XXXX XXXX 



Account Details : Creditor Name : XXXXXXXX XXXX  Account Status : Open Account Type : Repossession Reporting Only to Equifax ( Not XXXX  or XXXX ) This account contains several material inaccuracies and appears to be in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Regulation F ( 12 CFR Part 1006 ), as detailed below : Inaccuracies Identified : 1. Open Account Reporting Only to Equifax : The account is marked as open status on Equifax but is not reported as such on XXXX  or XXXX. This is inconsistent and potentially misleading.

2. Payment History Inaccuracy : The report shows three payments were made in XXXX, but I have never made any payments on this account. This is inaccurately reported and misleading under 15 U.S.C. 1681e ( b ) of the FCRA, which mandates accurate and up-to-date reporting.

3. Derogatory Status Without Payment Info : The worst payment status shows no info yet the payment chart reflects derogatory activity throughout XXXX and XXXX. This internal contradiction violates FCRA 1681i regarding the obligation to ensure accuracy when information is disputed.

4. Incorrect Delinquency Reporting : The chart shows : 0 instances of 30-day late 0 instances of 60-day late 18 instances of 90-day late This is illogical and factually impossible. If there are no 30- or 60-day lates, 90-day lates can not exist without a preceding progression. This likely violates FCRA 1681s-2 ( a ) ( 1 ) ( A ), prohibiting furnishers from reporting inaccurate information.

5. FDCPA and Regulation F Violations : If XXXX XXXX XXXXXXXX is a third-party debt collector or is acting in that capacity, they are required under FDCPA 807 ( 15 U.S.C. 1692e ) to avoid using false, deceptive, or misleading representations.

Regulation F ( 12 CFR Part 1006 ) requires validation of debt and prohibits continued reporting during unresolved disputes. To date, no proper validation has been provided to me.

Requested Action : Under FCRA 611 ( 15 U.S.C. 1681i ), I am requesting a reinvestigation of this account. Specifically : Remove any inaccurate payment history showing made payments in XXXX

Clarify or remove the open status if not consistent across all CRAs.

Correct or delete the improperly reported derogatory 90-day lates. 

Provide verification and documentation from XXXX, XXXX, XXXX justifying all reported information per FCRA 1681i ( a ) ( 1 ).

If this account can not be properly verified within 30 days as required by law, it must be promptly deleted from my credit report.

Please respond to this dispute in writing and provide me with a revised copy of my credit report upon completion of the reinvestigation. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief