Consumer complaint received 2026-04-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau, I am filing this complaint against Equifax for failing to conduct a thorough and reasonable investigation regarding inaccurate credit reporting of a debt account furnished by XXXX XXXX XXXX XXXX. The account in question was associated with XXXX and placed with XXXX XXXX XXXX XXXX for XXXX. The account was settled and paid on XX/XX/year> in the amount of {$250.00}. I have written proof from XXXX XXXX confirming payment was received on XX/XX/year> and that the account was settled for less than the full balance. XXXX XXXX written confirmation includes the following account details : Current Creditor : XXXX Original Creditor : XXXX Reference Number : XXXX Original Account Number : ending in XXXX Original Balance : {$530.00} Settlement Amount Paid : {$250.00} Settlement Reference Number : XXXX Despite this documented proof, Equifax has continued reporting XXXX information. I disputed the inaccurate reporting with Equifax , and on XX/XX/year> I was advised the account was closed. However, no meaningful correction was made to accurately reflect the paid and settled status. On XX/XX/year>, I contacted the Equifax call center again for an update and spoke with a manager identified as XXXX, XXXX ID XXXX. During this call, I was told to submit another dispute and wait an additional 30 days. I provided proof of payment, yet it appeared no reasonable reinvestigation had been completed. I then contacted XXXX XXXX directly, and they confirmed the account is being reported as closed and paid. Additionally, both XXXX and XXXX have already updated their records to reflect the corrected status. Equifax is the only credit bureau continuing to report inaccurate information. XXXX actions appear to violate the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy of information reported. 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation after receiving notice of dispute and supporting documentation. 15 U.S.C. 1681s-2 ( b ) Failure to properly investigate and correct disputed information after notice. Because this account has been paid, settled, and verified by the furnisher, XXXX continued inaccurate reporting is causing harm to my creditworthiness and financial standing. I respectfully request the CFPB require Equifax to : Immediately delete or correct the inaccurate XXXX XXXX tradeline. Update the account to reflect paid/settled with a XXXX balance, or remove it entirely due to inaccurate reporting. Conduct a full documented investigation into why no proper correction was made after proof was submitted. Provide written confirmation once the correction or deletion is complete. Cease further delays that continue harming my consumer credit profile. Given that the creditor has confirmed the account is closed and paid, and both XXXX and XXXX have already updated their files, I request expedited resolution in the shortest amount of time possible. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX

Company response to consumer: Closed with explanation