Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
# LETTER TO EQUIFAX REGARDING MISSING CLOSED AUTO LOAN ACCOUNTS XX/XX/XXXX * * Equifax Information Services, LLC * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # RE : REQUEST FOR ADDITION OF MISSING CLOSED AUTO LOAN ACCOUNTS WITH POSITIVE PAYMENT HISTORY * * Consumer Name : * * XXXX XXXX XXXX * * Date of Birth : * * XX/XX/XXXX * * Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # # # PURPOSE OF REQUEST I am writing to request the addition of two closed auto loan accounts that are not currently reporting on my Equifax credit report. These accounts represent significant positive payment history that should be reflected in my credit file to ensure completeness and accuracy of my credit profile. 

-- -- - # # # MISSING ACCOUNT DETAILS * * XXXX. XXXX XXXX XXXX * * - Original Loan Amount : {$24000.00} - Account Status : PAID IN FULL - Payment History : NO LATE PAYMENTS - Account Type : Closed Auto Loan * * XXXX XXXX XXXX XXXX XXXX - Original Loan Amount : {$49000.00} - Account Status : PAID IN FULL - Payment History : NO LATE PAYMENTS - Account Type : Closed Auto Loan -- -- - # # # SUPPORTING DOCUMENTATION I am enclosing official letters from both creditors confirming the following : XXXX XXXX XXXX XXXX XXXX Confirmation Letter * * - Verifying the {$49000.00} auto loan was paid in full with no late payments XXXX XXXX XXXX XXXX XXXX XXXX  Confirmation Letter * * - Verifying the {$24000.00} auto loan was paid in full with no late payments These letters serve as official documentation of my positive payment history with both creditors.

-- -- - # # # LEGAL BASIS UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) * * 15 U.S.C. 1681i - Procedure in Case of Disputed Information * * Under Section 611 of the FCRA, credit reporting agencies have a duty to maintain complete and accurate consumer credit files. The absence of these positive payment history accounts from my credit report results in an incomplete credit profile.

* * 15 U.S.C. 1681e ( b ) - Accuracy and Completeness Requirements * * This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of information concerning individual consumers. The missing positive payment history accounts violate this standard of completeness and accuracy.

* * 15 U.S.C. 1681c - Requirements Relating to Information Contained in Consumer Reports * * While this section addresses the maximum reporting periods for negative information, it also establishes the framework for what information should be included in consumer reports. Positive payment history, particularly for substantial loan amounts, should be included to provide a complete picture of creditworthiness.

* * 15 U.S.C. 1681k - Public Record Information for Employment Purposes * * This section emphasizes the importance of complete and accurate reporting, which extends to all types of credit information, including positive payment history that demonstrates responsible credit management.

-- -- - # # # CONSUMER RIGHTS AND CREDIT REPORTING STANDARDS Under the FCRA, consumers have the right to : - * * Complete Credit Files : * * Credit reports should reflect all relevant credit history, including positive payment accounts- * * Accurate Information : * * All reported information must be accurate and verifiable - * * Maximum Possible Accuracy : * * Credit reporting agencies must implement reasonable procedures to ensure accuracy The absence of these two substantial auto loans, both paid in full with perfect payment histories, creates an incomplete and potentially misleading credit profile.

-- -- - # # # REQUESTED ACTION I formally request that Equifax : XXXX. * * ADD * * the XXXX XXXX XXXX auto loan account ( {$24000.00} ) to my credit file showing : - Original loan amount - Paid in full status - Perfect payment history ( no late payments ) - Appropriate account closure date 1. * * ADD * * the XXXX XXXX auto loan account ( {$49000.00} ) to my credit file showing : - Original loan amount - Paid in full status - Perfect payment history ( no late payments ) - Appropriate account closure date 1. * * UPDATE * * my credit report to reflect these positive payment history accounts 1. * * PROVIDE * * written confirmation of the addition of these accounts to my credit file -- -- - # # # IMPACT ON CREDIT PROFILE These missing accounts represent : - * * Combined loan value : * * {$74000.00} - * * Perfect payment history * * on both accounts - * * Demonstration of responsible credit management * * - * * Significant positive payment history * * that should factor into credit scoring The absence of this positive information may be negatively impacting my credit score and creditworthiness assessment.

-- -- - # # # COMPLIANCE REQUIREMENTS Please process this request within 30 days as required under FCRA procedures. I have provided official documentation from both creditors confirming the loan details and payment history.

If you require any additional information or documentation to process this request, please contact me in writing within 15 days of receiving this letter.

-- -- - # # # CONCLUSION The missing positive payment history accounts represent a significant gap in my credit file that should be corrected to ensure completeness and accuracy. I have provided official creditor confirmations and request that these accounts be added to my Equifax credit report promptly.

I look forward to your written response confirming the addition of these accounts and an updated credit report reflecting these positive payment history entries.

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation