Consumer complaint received 2025-08-28 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, GA XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : [ XXXX  / Equifax / XXXX  ] Re : Demand for Permanent Deletion XXXX  Account Dear [ Credit Bureau ], I am disputing the following account on my credit file and demanding permanent deletion : Creditor : XXXX  Account # : XXXX XXXX XXXX XXXX XXXX Status : Closed Balance Owed : {$0.00} Closed Date : XX/XX/XXXX Issue : The account is being reported as Derogatory / Charge-off despite being closed with a {$0.00} balance. 

This reporting is inaccurate, incomplete, misleading, and unverifiable in violation of the Fair Credit Reporting Act ( FCRA ). A {$0.00} balance, closed account can not legally remain reported as derogatory or charged-off because it creates the false impression of a current delinquency or unpaid debt. 



FCRA Laws Supporting Permanent Deletion 607 ( b ), 15 U.S.C. 1681e ( b ) : Bureaus must ensure maximum possible accuracy. Misleading reporting is not accurate.

611 ( a ) ( 1 ) ( A ) : Consumers may dispute any item believed to be inaccurate or misleading.

611 ( a ) ( 5 ) : If an item can not be verified with complete accuracy, it must be permanently deleted.

623 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

623 ( a ) ( 2 ) & 623 ( b ) : Furnishers must update, correct, or delete any information that is incomplete, misleading, or unverifiable.

Case Law Requiring Deletion ( Even if Verified ) Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ) : Bureaus can not simply parrot a furnishers claim of verification ; they must delete unverifiable info.

Henson v. CSC Credit Servs., 29 F.3d 280 ( 7th Cir. 1994 ) : Reliance on creditor verification without independent investigation is unreasonable.

Richardson v. Fleet Bank of Mass., 190 F. Supp. 2d 81 ( D. Mass. 2001 ) : Reporting a closed account as delinquent is inaccurate and misleading.

Dennis v. BEH-1, LLC, 520 F.3d 1066 ( 9th Cir. 2008 ) : Information that is technically accurate but materially misleading must be deleted.

Koropoulos v. Credit Bureau, 734 F.2d 37 ( D.C. Cir. 1984 ) : Misleading reporting qualifies as inaccurate under the FCRA.

Sepulvado v. CSC Credit Services, 158 F.3d 890 ( 5th Cir. 1998 ) : Unverifiable data must be deleted.

Saunders v. BB & T, 526 F.3d 142 ( 4th Cir. 2008 ) : Furnishers are liable for reporting misleading or incomplete information.

Gorman v. Wolpoff & Abramson, LLP, 584 F.3d 1147 ( 9th Cir. 2009 ) : Furnishers must fully investigate and delete misleading data, not just rubber-stamp verified. 



My Demand I am not requesting a correction. 
I demand that the WFC account be permanently deleted in its entirety from my credit report. 
Reporting this account as derogatory after closure and {$0.00} balance is inaccurate and misleading. 
Even if you claim this information is verified, federal case law establishes that misleading reporting must be deleted.

Therefore, the only legally compliant outcome under FCRA 611 ( a ) ( 5 ) is permanent deletion.

Failure to comply will leave me no choice but to pursue remedies under 15 U.S.C. 1681n and 1681o, which allow for statutory damages, actual damages, punitive damages, and attorneys fees. 

Please confirm deletion in writing within 30 days. 

Sincerely, XXXX XXXX XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation