Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX Accounts To Whom It May Concern : I am writing to dispute the following inaccurate and unauthorized information on my Equifax credit report, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681,, and the Fair Debt Collection Practices Act ( FDCPA ), as implemented by Regulation F ( 12 C.F.R. Part 1006 ). 



1. XXXX Account ( Account # [ XXXX Account Number ] ) Closed Account with Balance : Your report shows an outstanding balance on a XXXX account that I closed on [ Date Closed ], yet no payment history is visible to substantiate any remaining debt.

No Payment History Displayed : Under FCRA 611, you must report only accurate, complete information. Omitting any payment history while listing a balance is misleading and fails to meet the complete and accurate standard.

Requested Action : 1. Reinstate the full, itemized payment history for this account, or 2. Delete the XXXX  entry in its entirety if you can not verify the ending balance with supporting documentation. 



2. XXXX Account ( Account # [ XXXX Account Number ] ) Conflicting Delinquency Status : Your summary indicates 30 days late yet the payment history chart clearly shows 60 days late for the same reporting period. 

Reinsertion Without Notice : This account was a reinserted onto my file on [ Date of Reinsertion ] without any written notice to me within five business days, in direct violation of Regulation F 's reinsertion requirements ( 12 C.F.R. 1006.21 ( f ) ) and FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ).

Requested Action : 1. Conduct a reasonable investigation into this discrepancy and correct the delinquency status so that it is internally consistent ; 2. Provide me with written notice of any reinsertion you make, as required by Regulation F ; 3. If you can not verify both the accurate days-late status and the validity of reinsertion notices, delete this XXXX entry entirely.

3. Statutory Rights & Next Steps Under FCRA 611, you are required to complete your reinvestigation within 30 days of receipt of this dispute, correct or delete any information that can not be verified, and notify all nationwide credit reporting agencies of any changes. Under FDCPA and Regulation F, you must also ensure proper notice procedures for any reinsertion of previously deleted accounts.

If you fail to comply with these obligations, I will not hesitate to file official complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and consider all legal remedies available to me.

Please send your written results and any supporting documentation to the address above. Thank you for your prompt attention to rectifying these matters. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation