Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) Complaint Submission Letter XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XX/XX/XXXX Re : Complaint Against XXXX Bank Improper Credit Reporting During Active Investigation Account No. : XXXX To Whom It XXXX Concern : I am filing this complaint against XXXX Bank for ongoing violations of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., related to their handling of my dispute regarding the above-referenced account. 
On XX/XX/XXXX, I submitted a formal written dispute to XXXX Bank regarding the accuracy of the XXXX delinquencies reported for XX/XX/XXXX and XX/XX/XXXX. I included supporting documentation ( Social Security card, drivers license, proof of address, and credit report copy ). In that letter, I cited Discovers legal obligation under 15 U.S.C. 1681s-2 ( a ) ( XXXX ) to mark the account as in dispute until the investigation was completed. 
Instead of complying with the law, XXXX updated the tradeline on my credit report without adding the required dispute notation. This is a clear violation of the FCRA because furnishers must accurately reflect when information is disputed. Updating or continuing to report negative data while omitting the dispute designation materially misleads creditors and lenders and damages my credit standing. 
Violations by XXXX Bank XXXX to Mark Account as Disputed Under 15 U.S.C. 1681s-2 ( a ) ( XXXX ), XXXX must notify the credit bureaus that the account is disputed. They failed to do so. 
Improper Updating During XXXX XXXX than pausing or marking the account correctly, XXXX updated the credit report while the dispute was still under investigation. This is misleading and unlawful. 
Failure to Provide Documentary Evidence To date, XXXX has not produced billing statements, delinquency notices, or proof of delivery for XX/XX/XXXX and XX/XX/XXXX. Without competent evidence, the alleged late payments are unverified and must not be reported under 15 U.S.C. 1681s-2 ( b ). 
XXXX Requested I respectfully request that the CFPB : XXXX XXXX Bank to immediately mark this tradeline as in dispute with all credit reporting agencies until the investigation is fully resolved. 
Require XXXX to cease reporting unverifiable delinquencies unless supported by competent documentary evidence. 
Investigate Discovers compliance practices regarding FCRA 1681s-2 ( a ) ( 3 ) and 1681s-2 ( b ).

Ensure correction or removal of inaccurate reporting from my credit file. 
XXXX XXXX to update the account to reflect accurate active payment history, rather than false delinquencies. 
Enclosures : Original dispute letter to XXXX ( XX/XX/XXXX ) Proof of identity and address Credit report showing updated tradeline without dispute notation Thank you for your review. I request that the CFPB hold XXXX accountable and ensure fair credit reporting practices are enforced. 
Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief