Consumer complaint received 2025-09-15 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: VA

Complaint narrative:
SUPPORTING EVIDENCE OF ALL FCRA VIOLATIONS ON DEMAND TO ARBITRATE AGAINST XXXX  AND EQUIFAX ( As of XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Tel : ( XXXX ) XXXX Email : XXXX Date : XX/XX/year> Via Certified Mail To : Equifax Information Services XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX RE : Formal Dispute of Inaccurate and Fraudulent Credit Reporting XXXX Account CFPB Complaint References : XXXX XXXX XXXX XXXX To Whom It May Concern, I am formally disputing the XXXX  account, which is being reported inaccurately and inconsistently across all three credit bureaus. Specifically, this account is being reported under different names ( XXXX versus XXXX XXXX ), along with inconsistent statuses ( Closed versus XXXX XXXX ), all of which are false, misleading, and harmful to my credit profile. 

By altering and synchronizing this account to reflect a Paid Collection, rather than correcting it to show the accurate and truthful Closed status, both XXXX  and Equifax have engaged in reckless, purposeful, and damaging actions. These actions not only violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) but also establish a clear pattern of misconduct designed to harm me. 

This letter is not only a formal dispute under the FCRA but also serves as SUPPORTING EVIDENCE in my ongoing arbitration demands against both XXXX  and Equifax. It will be introduced as evidence to demonstrate that both bureaus continue to engage in deliberate violations and reckless disregard of federal law. 

The CFPB complaint references listed above further prove that this is not an isolated incident. Each complaint documents the same systemic problem : XXXX  and Equifax are recklessly and purposely damaging my credit profile by failing to ensure maximum accuracy, failing to properly investigate disputes, and misreporting key account information.

Violations of the FCRA and FTC Regulations 15 U.S.C. 1681e ( b ) Duty of Maximum Possible Accuracy Both bureaus failed to ensure maximum accuracy by misreporting the account name ( XXXX  vs. XXXX  XXXX  ) and altering Closed to Paid Collection.

15 U.S.C. 1681i Failure to Conduct a Reasonable Reinvestigation Despite disputes, both bureaus refused to correct or delete the false information and instead altered it to remain derogatory.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnisher Reporting of False Information The furnisher ( XXXX XXXX ) continues to report false data, which you are knowingly publishing without correction.

15 U.S.C. 1681s-2 ( b ) Failure of Furnisher to Correct After Dispute Both bureaus verified false information, knowingly allowing an inaccurate and misleading tradeline to persist.

FTC & CFPB Guidance on Misleading Reporting Paid Collection is not the same as Closed. Mislabeling accounts in this way misleads creditors, damages my profile, and constitutes a deceptive reporting practice.

Notice of Reckless and Purposeful Harm Your continued actions show reckless disregard for accuracy and a purposeful intent to inflict harm on my creditworthiness. These practicesaltering account statuses to derogatory classifications and misreporting the account nameprove that both XXXX  and Equifax are knowingly violating the law to my detriment.

This matter will be presented before the arbitrator as clear and convincing evidence of repeated and intentional violations. These actions will be pursued for statutory damages ( {$1000.00} per violation ), actual damages, punitive damages, and attorneys fees.

Demand Immediate deletion or accurate correction of the XXXX account to reflect its true status. 

Written confirmation of reinvestigation results within 15 days of receipt of this letter. 

Notification to all third parties to whom you have furnished this false information. 

Failure to comply will further strengthen my arbitration claims against you, as this document will be used to show continued violations and reckless disregard for the FCRA.

Company response to consumer: Closed with explanation