Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate and Improperly Reinserted Account XXXX XXXX Bank XXXX FCRA Violations To Whom It May Concern, I am writing to formally dispute the accuracy and legality of an account reported by XXXX XXXXXXXX XXXX on my Equifax credit report. This account contains severe inconsistencies, was reinserted without proper notice, and has been verified multiple times by Equifax without providing any method of verification as required under the Fair Credit Reporting Act ( FCRA ). I am demanding immediate deletion of this account. 



Reinsertion Without Notice FCRA 611 ( a ) ( 5 ) ( B ) This account was previously removed from my Equifax report and then reinserted without notifying me in writing within five business days, which violates federal law. At no point was I informed of the reinsertion or the basis for doing so, which is a clear breach of my rights under the FCRA. 



Account Details and Inconsistencies The account in question is listed as : Creditor : XXXX XXXX Bank Opened : XX/XX/XXXX Closed : XX/XX/XXXX Highest Balance : {$250.00} Reporting Balance : $ 0 Monthly Payment : Not reported Term : Not reported Last Payment : XX/XX/XXXX Account Status : Closed Payment Status : No information Worst Payment Status : No information Delinquencies Reported : 1x 30 days late ( conflicts with payment history chart showing a 60-day delinquency ) These are the issues : 1. Conflicting Payment History The account claims to be 30 days late once, but the payment chart displays a 60-day late marker. 

The reported payment history for XXXX is marked as unknown for every month contradicting the claim that a payment was made in XX/XX/XXXX. 

In XXXX, months from XXXX to XXXX show unknown status, while XXXX through XXXX show various combinations of payments made and missed. 

In XXXX, payments are marked as made from XXXX to XXXX, even though the account was supposedly closed in XX/XX/XXXX making this timeline impossible and clearly inaccurate. 

2. Missing and Incomplete Information No monthly payment amount, no loan term, no payment status, and no worst payment status are reported.

This type of incomplete data violates FCRA 607 ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy of the data they report. 

XXXX. Improper Verification Process I previously requested the method of verification during a dispute and was denied that information by a representative with employee ID RXD233, which violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

4. Only Reporting to Equifax This account is not being reported by XXXX or XXXX  which further indicates an issue with the accuracy and validity of this tradeline. 



Demands Given these numerous errors and violations, I am demanding that Equifax take the following actions : 1. Immediately delete the XXXX XXXXXXXX XXXX account from my credit report. 

2. Provide a full copy of the method of verification, including the name and contact of the data furnisher.

3. Supply an updated credit report reflecting these corrections.

4. Provide written confirmation of the reinvestigation results within the 30-day time frame required by law.

Supporting Documentation Attached Copy of my government-issued ID Proof of address A copy of my current Equifax credit report showing the disputed account Should this matter not be resolved promptly and appropriately, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I am prepared to pursue legal action for noncompliance under FCRA 616 and 617. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation