Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Equifax for their improper investigation of my credit report disputes and their continued reporting of inaccurate, unverified, and conflicting information. Despite my detailed dispute efforts, Equifax has failed to address or correct these errors, causing significant harm to my credit profile and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Below are specific examples of the inaccuracies and errors I have unsuccessfully attempted to resolve : XXXX. XXXX XXXX XXXXXXXX ( Account Ending XXXX ) Account Status and Remarks : Listed as Charge-off with redundant remarks stating Unpaid Balance Reported as a Loss by Credit Grantor . The charge-off status already implies this loss. 
Late Payment History Reporting : Reported as XXXX ( XX/XX/XXXX XXXX XXXX ) ; however, detailed payment history is missing, making it impossible to verify these claims. 
Conflicting Last Activity Dates : Reported inconsistently as XX/XX/XXXX, and XX/XX/XXXX. 
High Balance and Utilization : Balance of {$15000.00} exceeds the credit limit of {$14000.00}, leading to an unjustified utilization rate of XXXX XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX ( Account Ending XXXX ) Account Status and Remarks : Listed as Charge-off, with remarks indicating Account Previously In Dispute - Now Resolved - Reported By Subscriber, suggesting prior unresolved issues. 
Conflicting Activity Dates : Reported as XX/XX/XXXX, and XX/XX/XXXX, creating inconsistencies. 
Late Payment Reporting : Listed as XXXX ( XX/XX/XXXX days late ) but lacks supporting payment history. 
High Balance and Utilization : Balance of {$4500.00} exceeds the credit limit of {$4000.00}, resulting in an excessive utilization rate of XXXX XXXX without justification. 

XXXX. XXXXXXXX XXXX XXXX  ( Account Ending XXXX ) Account Status and Remarks : Listed as Charge-off, with remarks stating Dispute Resolved - Subscriber Disagrees, implying unresolved issues. 
Conflicting Last Activity Dates : Reported inconsistently as XX/XX/XXXX, and XX/XX/XXXX. 
Late Payment Reporting : Listed as XXXX ( XX/XX/XXXX days late ) but lacks supporting payment history. 
Credit Utilization Discrepancy : Balance of {$8200.00} exceeds the credit limit of {$7500.00}, leading to an inflated utilization rate of XXXX XXXX 
High Balance Reporting : The high balance information does not align with the payment history, creating ambiguity. 

XXXX. XXXXXXXX XXXX ( Account Ending XXXX ) Account Status and Remarks : Listed as Charge-off, with remarks indicating Dispute Resolved - Subscriber Disagrees, suggesting unresolved investigation issues. 
Conflicting Last Activity Dates : Reported inconsistently as XX/XX/XXXX, and XX/XX/XXXX. 
Late Payment Reporting : Listed as XXXX ( XX/XX/XXXX days late ) but lacks supporting payment history. 
Credit Utilization Discrepancy : Balance of {$11000.00} matches the credit limit of {$11000.00}, appearing questionable without proper justification. 
High Balance Reporting : High balance reported as {$11000.00} without supporting history. 

XXXXXXXX XXXX XXXX  XXXX ( Account Ending XXXX ) Conflicting Account Status : Account is marked as both Charge-off and Account Closed by Credit Grantor. 
Inconsistent Last Activity Dates : Reported as both XX/XX/XXXX, and XX/XX/XXXX. 
Inaccurate Late Payment Reporting : Equifax lists XX/XX/XXXX ( XX/XX/XXXX XXXX XXXX ) but provides no payment history to substantiate these claims. 
Credit Utilization Discrepancy : Balance of {$12000.00} exceeds the credit limit of {$11000.00}, leading to an inflated utilization rate of XXXX XXXX. 

XXXX. XXXX XXXX XXXX ( Account Ending XXXX ) Account Status and Remarks : Listed as Charge-off, with remarks stating Account Closed by Credit Grantor and Unpaid Balance Reported as Loss, which may be redundant. 
Conflicting Last Activity Dates : Reported inconsistently as XX/XX/XXXX, and XX/XX/XXXX. 
Late Payment Reporting : Report lists XXXX late payment instances ( XX/XX/XXXX XXXX XXXX ) but provides no supporting payment history. 
Credit Utilization Discrepancy : Balance of {$10000.00} exceeds the credit limit of {$9500.00}, resulting in an inflated utilization rate of XXXX XXXX without clear justification. 

These errors highlight Equifaxs failure to conduct proper investigations and maintain accurate records, which directly impacts my creditworthiness and financial stability. I have attached supporting documentation, including correspondence with Equifax, account statements, and dispute records.