Consumer complaint received 2024-10-31
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NJ)

Subject : Multiple FDCPA Violations and Credit Reporting Inaccuracies To the Consumer Financial Protection Bureau : I am writing to file a complaint regarding numerous violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) concerning an account appearing on my credit report. The violations include failure to mark a disputed debt and multiple reporting inaccuracies that materially affect my credit standing. 
Account Details : Account Type : Credit Card ( Revolving ) Reported Balance : {$4200.00} Date Opened : XX/XX/year> Last Payment Date : XX/XX/year> Date of First Delinquency : XX/XX/year> Current Status : Reported as " Closed '' and " Charged Off '' Primary Violations : 1. Failure to Mark Account as Disputed ( FDCPA 1692e ( 8 ) ). The account is currently in dispute and has been in this status with them for multiple months. They have failed to reflect this in the report. This is a direct violation of FDCPA requirements to communicate dispute status. This omission materially affects my credit standing and third-party credit decisions 2. False Representation of Debt Amount ( FDCPA 807 ( 2 ) ( A ) ) : Reported balance : {$4200.00}. Charge-off amount : {$0.00}. These contradictory amounts create confusion about the actual debt obligation No clear documentation provided for balance calculation or charges 3. Status Misrepresentation : Account simultaneously reported as " Closed '' and " Charged Off ''. No date closed is provided despite closed status. Activity designator shows " Closed '' while comments indicate " Charged Off Account ''. The charge-off status appears to violate federal consumer protection laws regarding accounts subject to certain legal debt resolution statuses. Continued reporting of charge-off status fails to recognize federally protected debt resolution status. These inconsistencies create confusion about the account 's true status and violate legal reporting requirements 4. Payment History and Date Reporting Issues : Payment status shows " OK '' payments for XXXX, XXXX, and XXXX 2021. Last payment date reported as XX/XX/year> aligns with payment history. However, account shows first delinquency on XX/XX/year> with no payments marked as late or missed in XXXX 2021. Payment history grid shows no activity after XX/XX/year>, but doesn't show delinquency status. No payment statuses shown for XX/XX/year> through date of charge-off, creating a gap in payment history 5. Payment History Accuracy Issues : Payment grid shows all payments as " OK '' through XX/XX/year>. No indication of late payments or missed payments leading up to reported first delinquency. Missing payment status indicators for months leading to charge-off. Payment history appears incomplete and inconsistent with reported delinquency dates. This incomplete/inaccurate payment history violates FCRA requirements for accurate reporting 6. Additional Inaccuracies : High credit amount reported as {$0.00} despite significant balance. Missing scheduled payment amount despite monthly term frequency. Missing actual payment amount despite having a last payment date. Incomplete payment history information 7. Impact on Consumer : These violations and inaccuracies have materially affected my credit standing and ability to obtain credit. The failure to mark the account as disputed is particularly harmful as it deprives other creditors of important context about this debt. The contradictory information about the account status and amounts creates confusion and may lead to adverse credit decisions. 

Requested Actions : 1. Immediate removal of this grossly erroneous item, or in the alternative 2. Immediate correction of the dispute status on all credit reports 3. Immediate correction of account status to reflect legally required reporting status based on federal consumer protection laws 4. Investigation and correction of the contradictory balance information, and production of any and all supporting documentation for this 5. Review of all communications between the debt collector and credit reporting agencies 6. Verification that dispute status has been properly communicated in all subsequent reports I request that the CFPB investigate these violations and require the immediate removal of this account from all credit reports. The number and severity of violations, including failure to recognize legally protected status, improper dispute handling, and multiple inconsistencies, render this account 's reporting fundamentally flawed and unreliable. 
If complete removal is not immediately executed, I demand full validation and correction of every reported element, with documentary evidence supporting each data point. The furnisher must prove their legal authority to report this debt given its protected status and demonstrate compliance with all applicable consumer protection laws. 

I am maintaining detailed records of all communications and credit reports related to this matter. I reserve all rights under the FDCPA, FCRA, and other applicable consumer protection laws, including the right to seek damages for improper credit reporting. 
Thank you for your attention to this matter. I look forward to your response and resolution of these serious violations.