Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To : Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX  XXXX Subject : Formal Dispute of XXXX XXXX Account FCRA Violation Notification Re : Account # XXXX ( XXXX XXXX ) Dear Equifax Dispute Department, This letter is a formal dispute and demand for verification under the Fair Credit Reporting Act ( FCRA ) regarding an account listed under XXXX XXXX ( partial account number XXXX ), which is inaccurately reported on my Equifax credit file. 

Disputed Information Summary According to my credit report ( as accessed via myScoreIQ ), the XXXX XXXX account contains several material errors : Inconsistency Across Bureaus This account appears only on Equifax and is completely absent from TransUnion and Experian. Per FCRA 1681e ( b ), Equifax is required to ensure maximum possible accuracy in reporting. Reporting only to one bureau raises questions of selective or incomplete furnishing.

Contradictory Account Status The account is marked as an Open Account under Account Type, but it also states Closed under Account Status. These two data points are mutually exclusive and create confusion. Inaccurate and contradictory reporting violates FCRA 1681i ( a ).

Balance and Status Conflict The report lists a current balance of {$1000.00}, marked as past due, despite the account being classified as closed. Once an account is closed, it should not accumulate new balances unless legally enforceable and clearly validated. 

Reinvestigation Already in Progress Yet Account Still Reported The Comments section states : Consumer Disputes Reinvestigation in Progress Collection Account. If a reinvestigation is ongoing, reporting this tradeline as a collection without completion of validation violates FCRA 1681i ( a ) ( 1 ). Any unverifiable information must be suppressed or removed during reinvestigation until a determination is made.

No Payment History or Supporting Detail There is no data for : Monthly payment terms Payment history Date of last payment Credit limit These are required for completeness and accuracy under FCRA. The absence of these details makes the report incomplete and misleading, violating FCRA 1681c ( a ) and 1681e ( b ). 

Requested Actions Under the Fair Credit Reporting Act, I request the following actions : Immediate reinvestigation of the XXXX XXXX XXXX. 

Full validation of the reported debt including : Signed contract or agreement with XXXX XXXX Detailed payment history Date of delinquency Proof of balance owed and current legal enforceability Temporary suppression of this account during investigation ( per FCRA 1681i ( c ) ).

Permanent deletion of the account from my credit report if no satisfactory validation can be provided within 15 days.

Notice of Legal Obligation Under FCRA 1681i ( a ) ( 5 ) ( A ), any item of information disputed by a consumer must be removed if it is found to be inaccurate or can not be verified within the prescribed time. Additionally, furnishing unverifiable information or refusing correction without providing documentation may result in complaints to the Consumer Financial Protection Bureau ( CFPB ) and state attorney general.

Company response to consumer: Closed with non-monetary relief