Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXXXXXX ( last XXXX only ) Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX  XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX  XXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX CC : XXXX XXXX XXXX XXXX Bank XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Reporting FCRA XXXX, XXXX, XXXX, XXXX To Whom It May Concern, I am writing to dispute inaccurate and misleading information on my credit reports under the Fair Credit Reporting Act ( FCRA ). 

Creditor : XXXX XXXX XXXX XXXX Bank ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX High Balance : {$5000.00} Balance Owed : {$0.00} Disputed Items : XXXX. Payment Status The account is closed and paid with a {$0.00} balance, yet it is inaccurately reporting as Late 30 Days on Experian and Late 60 Days on XXXX. A {$0.00} closed account can not be past due. 
XXXX. Account Rating Inconsistent : Experian shows XXXX, XXXX  shows Closed. Both should consistently reflect Closed/ Paid in Full. 
XXXX. Creditor Remarks Inconsistent : XXXX  shows Closed, XXXX  shows blank. Missing remarks misrepresents the status. 
XXXX. Date of Last Activity / Reported Inconsistent dates across bureaus. The same account must report with the same dates. 
XXXX. Creditor Type Inconsistent reporting ( Non-traditional installment vs. XXXX Banks ). This is inaccurate and confusing. 



Legal Basis for My Dispute FCRA XXXX ( A ) : Consumers are entitled to fair and accurate credit reporting. 
FCRA XXXX ( b ) : Credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 
FCRA XXXX ( XXXX U.S.C. XXXX ) : I have the right to dispute incomplete or inaccurate information, and you must investigate within 30 days. 
FCRA XXXX ( a ) ( XXXX ) ( A ) : Furnishers of information may not furnish data they know or should know is incomplete or inaccurate. 
FCRA XXXX ( a ) ( XXXX ) : Furnishers must promptly correct and update any information found to be incomplete or misleading. 
FCRA XXXX ( a ) ( XXXX ) : Furnishers must accurately report accounts that are closed and paid, not as delinquent. 
FCBA ( Fair Credit Billing Act ) : Provides consumers the right to dispute billing/reporting errors. 
ECOA ( Equal Credit Opportunity Act ) : Creditors must ensure consistent, fair reporting across bureaus. 
CFPB Guidance : The CFPB requires that closed, {$0.00} balance accounts not be reported in a manner that is misleading or suggests ongoing delinquency. 



My Request I demand the following corrective actions : XXXX. Remove the Late 30 Days and Late 60 Days notations from this account. 
XXXX. Update the account to reflect Closed/ Paid as Agreed / {$0.00} balance across all bureaus. 
XXXX. Ensure consistency of account details ( status, remarks, dates, and creditor type ) across XXXX, Equifax, and XXXX. 
XXXX. Provide me with written confirmation of the results of this investigation within XXXX  days, as required by FCRA XXXX. 

Enclosed are copies of my ID, proof of address, and supporting documentation. 

Thank you for your prompt attention. Please consider this letter a formal dispute under the FCRA. 

Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : * XXXX XXXXXXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief