Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Consumer Response Division Subject : Formal Complaint Against Equifax for Continued Reporting of a Fraudulent and Closed Collection Account Dear CFPB, I am submitting this formal complaint against Equifax Information Services LLC for continuing to report a fraudulent collection account that has already been closed and approved for removal by the collection agency, in direct violation of federal law. 



ACCOUNT DETAILS Collection Agency : XXXX XXXX XXXX XXXX XXXX 
Equifax Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Reported : {$4100.00} Account Status ( Equifax ) : Unpaid Closed Date Showing : XX/XX/year> Despite Equifaxs continued reporting, XXXX XXXXXXXX XXXX XXXX has formally confirmed through the CFPB that the account has been CLOSED and that a request was submitted to remove this account from my credit report. 

PROOF OF ERROR The CFPB complaint was closed with explanation, confirming : XXXX XXXXXXXX XXXX XXXX has closed this account in our office and will submit a request to have this account removed from the consumers credit report. 
Equifax continues to report the account as unpaid, which is false, misleading, and harmful. 
This constitutes continued reporting of information Equifax knows or should know is inaccurate. 

VIOLATIONS OF FEDERAL LAW Equifaxs actions violate multiple provisions of federal consumer protection law, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of consumer reports.

15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation after receiving notice that the account was fraudulent and closed.

15 U.S.C. 1681c ( a ) Prohibits the continued reporting of inaccurate or misleading adverse information.

15 U.S.C. 1681g ( a ) ( 1 ) Failure to provide accurate and complete information in the consumers credit file.

2. Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). 

Continuing to report a collection account as unpaid after the furnisher has confirmed closure and removal is an unfair and deceptive practice.

3. Furnisher Notification Violations Once AR Resources notified Equifax that the account was closed and requested deletion, Equifax became legally obligated to update or delete the account. Continued reporting constitutes willful noncompliance. 

HARM CAUSED As a direct result of Equifaxs unlawful reporting, I have suffered : Credit score damage Denial or restriction of credit opportunities Emotional distress Ongoing financial harm This violates the purpose and protections of the Fair Credit Reporting Act. 

DEMAND FOR RELIEF I am requesting that the CFPB require Equifax to : 1. Immediately delete this fraudulent and closed collection account from my credit report 2. Cease all reporting of this account 3. Provide written confirmation that the account has been permanently removed 4. Ensure no future reinsertion occurs without proper legal notice under 15 U.S.C. 1681i ( a ) ( 5 ) ATTACHMENTS CFPB complaint response confirming account closure and removal request Current Equifax credit report showing continued inaccurate reporting Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief