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 status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Violation of the Fair Credit Reporting Act ( FCRA 1681e ( b ), 1681i, 1681s-2 ) Dear Equifax Dispute Department , I am writing to dispute the accuracy and validity of the XXXX XXXX account listed under Account # XXXX in my credit report as provided by Equifax. 



This account is materially misleading, unverifiable, and incomplete. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate, outdated, or unverifiable. I am formally requesting a full reinvestigation and validation of the details reported. 

Discrepancies and FCRA Violations Identified Contradictory Reporting The account is listed as both Open Account and Closed. This inconsistency constitutes inaccurate reporting under FCRA 1681e ( b ), which requires credit bureaus to follow reasonable procedures to ensure maximum possible accuracy. 

Missing Payment Information Critical fields such as : Monthly Payment Payment History Payment Status Credit Limit Terms of repayment are completely blank. The lack of this information makes the account incomplete and misleading, violating FCRA 1681c ( a ) and 1681e ( b ).

Balance Reporting Without Validation The balance and past due amount are both reported as {$1100.00}, yet no documentation or payment record has been provided to substantiate this debt. This is a potential violation of : FCRA 1681i ( a ) right to reinvestigation FCRA 1681s-2 ( b ) obligation of furnishers to investigate and report accurately Disputed Information Still Visible During Reinvestigation The notation Consumer Disputes Reinvestigation in Progress Collection appears, yet the account is still fully listed. This may violate FCRA 1681i ( c ), which restricts how disputed and unverified information can be reported during investigation. 

No Reporting to TransUnion or Experian The account is only reported to Equifax, with no similar record shown on the TransUnion or Experian files. Selective or inconsistent bureau reporting by the data furnisher may suggest incomplete or potentially inaccurate reporting, which can be a violation under FCRA 1681s-2 ( a ). 

Demand for Immediate Action Under the Fair Credit Reporting Act, I demand : Immediate reinvestigation of the XXXX XXXX account listed above. 

Full validation of the debt, including : The original signed contract or service agreement A complete billing history Written proof of any charge-offs or transfers Legal authority for any collection activity Suspension or deletion of this account if you are unable to verify the information within 15 days, per FCRA 1681i ( a ) ( 5 ) ( A ). 

Enclosures Included Copy of credit report with the disputed item highlighted Copy of government-issued ID Proof of current address Notice of Intent to Escalate If this inaccurate and unvalidated information is not corrected or removed within 15 days, I will file formal complaints with the Consumer Financial Protection Bureau XXXX CFPB ), Federal Trade Commission XXXX FTC ), and may pursue civil legal action for damages under FCRA 1681n and 1681o.

Company response to consumer: Closed with explanation