Consumer complaint received 2025-08-13 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: IN

Complaint narrative:
Dear CFPB, I am filing this complaint regarding inaccurate, misleading, and harmful credit reporting of a XXXX XXXX account that is currently being reported in collections. 

Facts The account originated with XXXX XXXX and was later assigned or sold to a third-party collection agency. 
The information being reported contains inaccuracies and is not consistent across the credit bureaus. 
In addition, the account reflects misleading statuses that misrepresent the legal and financial standing of the debt. 
I dispute the accuracy, ownership, and reporting of this account.

Violations of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Provide Accurate Information Furnishers must not report information they know or should know is inaccurate. 
The reported data contains inconsistencies and false notations that do not match the actual status or history of the account.

15 U.S.C. 1681s-2 ( a ) ( 2 ) Duty to Update and Correct Information Furnishers must update and correct any previously reported information that is incomplete or inaccurate.

Verizon and/or the collection agency have failed to update this account to reflect accurate information.

15 U.S.C. 1681e ( b ) Maximum Possible Accuracy Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

The continued publication of conflicting, outdated, or unverifiable data fails to meet this standard.

15 U.S.C. 1681i ( a ) Reinvestigation Requirement If the account was previously disputed, the furnisher and the credit bureaus are required to conduct a reasonable reinvestigation within 30 days.

If the data remains inaccurate after a dispute, this constitutes a violation of the FCRA.

Violations of the Fair Debt Collection Practices Act ( FDCPA ) ( If the collection agency is furnishing this data ) 15 U.S.C. 1692e ( 2 ) ( A ) Prohibits false representation of the character, amount, or legal status of a debt.

15 U.S.C. 1692e ( 8 ) Prohibits communicating credit information which is known or should be known to be false, including failing to mark a debt as disputed.

15 U.S.C. 1692d Prohibits conduct that harasses, oppresses, or abuses any person in connection with debt collection.

Why This Reporting Is Misleading The reported account suggests an enforceable obligation exists without verifying its validity.

Inconsistent reporting across credit bureaus undermines the credibility and accuracy of the data.

This is creating a false impression of my creditworthiness to third parties.

Harm Caused Damaged credit score.

Denial of credit opportunities. 
XXXX  and financial XXXX  caused by the continued publication of false information. 
Requested Resolution I am requesting that the CFPB : Investigate XXXX XXXX and any associated collection agency for continued inaccurate reporting of this account. 
Require immediate deletion of the tradeline from all credit reporting agencies due to unverifiable and misleading information. 
Ensure compliance with the FCRA and FDCPA to prevent further harm.

Company response to consumer: Closed with non-monetary relief