Consumer complaint received 2025-02-08 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: MD

Complaint narrative:
I have been severely impacted by Equifaxs noncompliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Act ( CFPA ), which has resulted in Equifaxs improper reinsertion of disputed items and failure to conduct reasonable investigations into reported inaccuracies. 
As you are aware, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Equifax in XX/XX/XXXX, citing Equifaxs failure to properly investigate consumer disputes, remove incorrect information, and prevent reinsertion of previously deleted errors. My case falls squarely within the pattern of noncompliance outlined in the lawsuit. As a result, Equifaxs actions have harmed my ability to obtain credit, secure employment, and pursue housing opportunities. 
Accordingly, I demand an immediate and thorough investigation into the following disputed accounts and inquiries, as required under the FCRA ( 15 U.S.C. 1681i ). If these items are not verified with legally sufficient evidence within 30 days, they must be permanently removed from my credit file. 
Disputed Accounts : XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX The report inaccurately reflects XXXX late payments and shows a credit usage of 100 % with a balance of {$700.00}, against a credit limit of {$500.00}. These errors violate 15 USC 1681s-2 ( b ), which mandates that furnishers provide accurate information, and 15 USC 1681i , which requires a proper reinvestigation when disputed. 

2. Action Requested : I request the immediate deletion of the erroneous late payments and the correction of the balance usage. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX This account shows XXXX late payments and a balance of {$110.00}, reflecting a credit usage of 55 %. These figures are inaccurate. Equifaxs failure to properly update or investigate these entries violates 15 USC 1681i.

4. Action Requested : I demand the removal of the inaccurate late payments and correction of the credit usage figures. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The report lists XXXX potentially negative months and a charge-off status, despite the account being paid off in XX/XX/XXXX. This continued reporting of incorrect charge-off status breaches 15 USC 1681c ( a ) ( 4 ), which requires the removal of outdated and paid-off information from credit reports. 

XXXX. XXXX Requested : I request that Equifax immediately update the account status to reflect its " paid in full '' state and delete the charge-off from the report. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX This mortgage account shows XXXX late payments and a balance of {$330000.00}, despite 11 % paid off. The inaccuracies in payment history and outstanding balance violate 15 USC 1681s-2 ( a ), which mandates accurate reporting by furnishers. 

XXXX. XXXX Requested : I demand correction of the payment history and balance to accurately reflect my payment record and the current standing of this account. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account reflects XXXX late payments despite being paid off as of XX/XX/XXXX. The continued reporting of late payments violates 15 USC 1681c ( b ), which restricts the reporting of outdated negative information. 

XXXX. XXXX Requested : I request the deletion of all inaccurate late payment entries and the proper update of this account status to reflect its fully paid-off condition. 

Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), Equifax is required to conduct a reasonable investigation and remove any information that can not be verified. Failure to comply will result in further legal action, including but not limited to, a formal complaint with the CFPB and potential litigation. 
A copy of the CFPBs lawsuit against Equifax is attached for reference. Please confirm receipt of this dispute and provide a detailed response within the legally mandated XXXX period. If Equifax fails to take corrective action, we will pursue all available legal remedies to protect my rights.

Company response to consumer: Closed with non-monetary relief