Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
To : Equifax Information Services LLC [ XXXX. XXXX XXXX, XXXX, GA XXXX ] Date : [ XX/XX/XXXX ] Re : Request for Reinvestigation, Deletion/Correction of Inaccurate Information , and Method of Verification Name : XXXX XXXX DOB : XX/XX/XXXX XXXX ( last XXXX ) : XXXX Current Address : XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I am writing under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute several items on my Equifax credit file that appear inaccurate, incomplete, and/or misleading. Please conduct a reinvestigation under 15 U.S.C. 1681i and either fully verify these items with proper documentation or delete/correct them. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  filed XX/XX/XXXX, reference no. XXXX, XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX  filed XX/XX/XXXX, reference no. XXXX, XXXX XXXX XXXX XXXX 

Reason for dispute : Both of these cases were ultimately dismissed, and no confirmed XXXX XXXX plan is in effect. Yet, multiple tradelines on my Equifax report are coded as Included in XXXX XXXX debt adjustment, which implies an active or successfully completed repayment plan. This is misleading in context and fails the FCRA requirement that information be accurate and not deceptive. 

These public-record entries must either be updated to clearly and accurately show the full, final disposition in a non-misleading way, or deleted if you can not ensure maximum possible accuracy. 

Method of Verification Request ( Public Records & Bankruptcies ) : In addition to my dispute, I am formally requesting the method of verification for these bankruptcy/public record entries pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) and 1681i ( a ) ( 7 ). After you complete your reinvestigation, please provide me with a written description of the precise procedures you used to verify these public records, including : Whether Equifax obtained information directly from the courthouse, and if so, the name and address of the court and the specific department or clerk contacted ; Whether Equifax relied on any third-party public record vendor or data aggregator ( rather than the court itself ), including the name, address, and telephone number of each such company and the exact data they furnished ; A description of any automated, off-site, or bulk data systems used to verify or update these public records instead of accessing current court records ; and An explanation of how these procedures satisfy Equifaxs duty under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to assure maximum possible accuracy, particularly when information is not obtained directly from the court. 

If Equifax can not clearly document that the bankruptcy/public record data was obtained from a reliable, accurate, and directly verifiable source using reasonable procedures, then these entries must be deleted from my credit file. 

XXXX XXXX XXXX XXXXXXXX Account No. XXXX Reason for dispute : This account is reported as Included in XXXX XXXX / debt adjustment with no clear original balance, no clear current balance, and minimal contextual information. Because my XXXX XXXXXXXX cases were dismissed, the continued use of a XXXX XXXX status without accurate context is incomplete and misleading to potential creditors. 

I demand that Equifax either : Provide documentary evidence from XXXX XXXX XXXX showing the current, accurate status and balance history after the dismissal of my cases ; or Correct the tradeline to accurately reflect the true status ( including updated status codes consistent with Metro 2 and the dismissed bankruptcy ), or delete the tradeline. 

XXXX. XXXX XXXX Account XXXX. XXXX Reason for dispute : This account is reported as Included in XXXX XXXX  / account involved in Chapter XXXX debt adjustment, but my XXXX  XXXX cases were not successfully completed ; they were dismissed. The reporting does not clearly show accurate balance history or final disposition of the account and is misleading. 

Please fully verify this account with the furnisher and update the status to reflect the true post-dismissal status, or delete it if complete verification can not be obtained. 

XXXX. XXXX XXXX Account XXXX. XXXX Reason for dispute : Equifax reports this account as Included in XXXX XXXXXXXX and closed, while another credit bureau reports the same XXXX credit card as open and never late with an active balance. These conflicting reports can not both be accurate. This calls into question the accuracy and completeness of the Equifax entry. 

Please obtain full documentation from XXXX ( including account status, payment history, and any relationship to my dismissed XXXX XXXXXXXX cases ). If XXXX can not substantiate the Equifax version of the tradeline, it must be corrected to match the verified status or deleted. 

XXXX. XXXX XXXX XXXX Account No. XXXX Reason for dispute : The tradeline is reported as a charge-off with a {$0.00} original balance and {$0.00} current balance and a comment Paid charge off. It is not possible to charge off a {$0.00} original balance. This is internally inconsistent and clearly inaccurate, and the reporting lacks complete and understandable information ( accurate original balance, true charge-off amount, date, etc. ). 

Under FCRA 1681e ( b ) and 1681i, please : Provide documentation from XXXX XXXX XXXX showing the actual original balance, the amount charged off, and the corrected status ; or Delete this tradeline entirely if the information can not be fully verified. 

XXXX. XXXXXXXX XXXX Account XXXX. XXXX and XXXX Reason for dispute : Both accounts are coded Included in XXXX XXXXXXXX with minimal balance information and comments referencing an ongoing dispute. Because my XXXX XXXXXXXX bankruptcy cases were dismissed, these codes and comments are misleading, and the entries are incomplete without accurate post-dismissal status. 

Please verify both accounts with XXXXXXXX XXXX and update them to reflect the correct status and balances or delete them. 

XXXX. XXXX XXXX, I Account No. XXXX Reason for dispute : Equifax shows this account as Included in XXXX XXXX and closed, while another bureau shows a XXXX credit card as open and never late with a current balance and limit. This cross-bureau inconsistency indicates that at least XXXX of these reports is inaccurate or incomplete. 

Equifax must either obtain full verification from XXXX bank partner and correct the entry to the true status or delete the tradeline. 

XXXX. XXXXXXXX XXXX XXXX Account No. XXXX Reason for dispute : This account is listed as Included in XXXX XXXXXXXX with limited balance information, even though my XXXX  XXXX cases have been dismissed. The entry does not clearly reflect the current, accurate status or any post-dismissal updates. 

Please verify and update this account, or delete it if verification can not be fully substantiated.

Relief Requested For each disputed item above, I request that Equifax : 1. Conduct a reasonable reinvestigation under 15 U.S.C. 1681i ; 2. Obtain actual documentation from each furnisher and from the court regarding public records, not just automated data matching ; 3. Delete or correct any item that can not be fully verified for accuracy and completeness ; 4. Provide the method of verification for the public-record entries as described above ; and 5. Mail me an updated copy of my Equifax credit report and a written explanation of your findings and the procedures used in your reinvestigation. 

Enclosed are copies of my government-issued ID and proof of address. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief