Consumer complaint received 2025-06-02 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: GA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Account Information XXXX Funding / First Progress XXXX Bank # XXXX Violation of the Fair Credit Reporting Act ( FCRA 1681e ( b ), 1681i, 1681s-2 ) Dear Equifax Dispute Department , I am writing to formally dispute the accuracy and validity of the account listed under XXXX Funding / First Progress XXXXXXXX XXXX with account number XXXX on my Equifax credit report. After reviewing the details, I believe the account is being reported inaccurately, incompletely, and without lawful validation, thereby violating multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

Discrepancies and FCRA Violations Identified Inconsistent and Misleading Reporting The account is marked as Open Account while also being classified as a Collection Account. This contradiction violates FCRA 1681e ( b ), which requires credit bureaus to report information with maximum possible accuracy. 

Future Open Date The Date Opened is listed as XX/XX/year>, which is in the future. As todays date is prior to this, reporting an account as open before its actual start date is factually impossible and misleading, in direct violation of FCRA 1681e ( b ). 

XXXX XXXX XXXX XXXX with XXXX XXXX The account reflects a {$150.00} balance but lists the monthly payment as {$0.00}. This inconsistency is both incomplete and misleading, violating FCRA 1681c ( a ).

Missing Payment History and Terms The account lacks details on : Payment Status Payment History Credit Limit or repayment terms The absence of these key details contributes to incomplete and unverifiable reporting, violating FCRA 1681e ( b ) and 1681i ( a ). 

Reported as Not Satisfying XXXX The Account Status field shows a non-standard, unclear entry : XXXX. This phrase lacks explanation, is not industry-standard, and constitutes a failure to clearly report the actual account status per FCRA 1681e ( b ). 

No Reporting to Experian The account does not appear on Experian, raising questions about incomplete or selective bureau reporting. This can be construed as improper disclosure or potentially unverified reporting under FCRA 1681s-2 ( a ).

Account Already Disputed, Yet No Correction The file indicates that I have disputed this account before ( Account information disputed by consumer ), yet no validation has been provided and the account remains on file. This may constitute a violation of FCRA 1681i ( a ) and 1681s-2 ( b ), which require prompt reinvestigation and correction/deletion of unverified data. 

Demand for Immediate Action Under the Fair Credit Reporting Act, I am requesting : A full reinvestigation of this account, including all supporting documentation. 

Validation of the debt, including : A signed agreement or contract showing liability Itemized transaction and billing history Verification of ownership by XXXX Funding Legal documentation supporting collection rights Immediate deletion or correction if the information can not be verified within 15 days, per FCRA 1681i ( a ) ( 5 ) ( A ).

If this inaccurate, misleading, and unverified item is not removed or corrected within 15 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). I also reserve the right to pursue legal remedies for willful or negligent noncompliance under FCRA 1681n & 1681o.

Company response to consumer: Closed with explanation