Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXX Re : Failure to Correct Inaccurate Reporting FCRA XXXX XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX XXXX GA Accident Date : XX/XX/XXXX | Paid via Settlement : XX/XX/XXXX Account remains inaccurately reported To Whom It May Concern : This letter serves as a formal escalation regarding Equifaxs continued failure to correct inaccurate information on my credit file, despite previous disputes and verified proof of payment. 

XXXX. Background Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : Credit Bureau XXXX XXXX XXXX  XXXX of Account : Medical transport bill related to motor vehicle accident Accident Date : XX/XX/XXXX Paid in Full : XX/XX/XXXX ( via settlement ) Status at Equifax : Still reporting as an unpaid/active collection Previous Disputes : Submitted with documentation ; Equifax denied XXXX. FCRA Violations Equifax failed to comply with the Fair Credit Reporting Act ( FCRA ) under : a. 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation Despite proof that the debt was paid, Equifax continues to report inaccurate information.

b. 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to provide method of verification I requested verification of how this account was confirmed as accurate. 
Equifax did not provide : The name of the person contacted The data or documents reviewed The method used to verify the information This is a direct violation of federal law. 

XXXX 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy Equifax is knowingly reporting inaccurate information after being notified. 

XXXX. Harm Caused Your continued inaccurate reporting has caused : Reduced credit score Denied and/or unfavorable credit terms Measurable financial harm and distress XXXX. ACTION Delete the collection account XXXX. Provide the complete method of verification, including : The full name and contact information of the individual at XXXX XXXX XXXX XXXX  XXXX  who verified the account What documentation was used The date and time of the verification XXXX. Send written confirmation that the correction has been made. 

This account is related to medical services provided by an ambulance company. Under XXXX  law this is medical services. I called the company to explain the settlement was still in process. They said this was not a medical service only transportation. I explained they checked my vitals and it was medical. I gave them my attorneys information and they proceeded to accept partial payment from insurance and put the balance on my credit report. The settlement agreement resulted in direct payment to the ambulance company but the collection agent reported a XXXX payment to my report. I submitted XXXX reports to Equifax. The report is still there as unpaid. The last XXXX investigations were closed within XXXX  days.

Company response to consumer: Closed with explanation