Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding a specific account currently being reported on my credit report that is missing a clear status and is being inconsistently reported across the three major credit bureaus ( XXXX, Equifax, and XXXX ). 
This accounts reporting is not only incomplete but materially inaccurate, and it is violating my rights under the Fair Credit Reporting Act ( FCRA ) and provisions of the Uniform Commercial Code ( UCC ). As a result of these violations, I have been unfairly denied the opportunity to obtain a home loan and auto financing.

Violations of Federal Law 1. FCRA 15 U.S.C. 1681e ( b ) Credit reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy of the information they report. Reporting an account without a clear status ( e.g., open, closed, paid, charged-off, etc. ) and with inconsistent data across the credit bureaus is a clear violation of this section.

2. FCRA 15 U.S.C. 1681i ( a ) Consumers have the right to dispute inaccurate information and expect a reasonable reinvestigation. If the account can not be verified and corrected within 30 days, it must be deleted. I have not received a sufficient explanation or verified update regarding this account.

3. FCRA 15 U.S.C. 1681s-2 ( b ) Furnishers of information ( the creditor reporting the account ) are required to : Conduct a proper investigation upon notice of dispute, Update all incorrect information, And report the corrected data to all three credit bureaus.

The fact that the account is not showing consistently across each bureau demonstrates that this obligation has not been met.

4. UCC 1-201 ( 20 ) Definition of Verified To be considered valid, any account must be verified through authentic, sworn documentation. No such verified documentation has been produced in connection with this account.

5. UCC 3-501 ( b ) ( 2 ) Demand for Proof As a consumer, I have the right to request verification of the debt or contract. No valid contract or signed agreement has been provided to prove the legitimacy or ownership of this account.

6. UCC 3-603 Discharge of Obligation If an account has been resolved in any way or is no longer active, it must be reported as such. Reporting stale or ambiguous accounts that lack proper context harms consumers and is deceptive. 

Harm Suffered and Demand for Relief As a direct result of this inaccurate and incomplete reporting : I have been denied a mortgage pre-approval.

I have been turned down for auto financing.

I have suffered emotional distress and lost financial opportunities.

I am hereby requesting the following : 1. Immediate and permanent deletion of the improperly reported account if it can not be verified with complete, consistent, and accurate information.

2. Written confirmation of the outcome of the reinvestigation.

3. Compensation for the material damages Ive suffered including the inability to obtain housing and transportation due to negligent or willful violations of federal law, as provided under 15 U.S.C. 1681n and 1681o.

Conclusion The credit reporting of this account is both misleading and unlawful. I am requesting the CFPB to investigate this matter thoroughly and hold the data furnishers and reporting agencies accountable.

Company response to consumer: Closed with explanation