Consumer complaint received 2025-10-13 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: FL

Complaint narrative:
Formal Dispute of Inaccurate, Incomplete, and Misleading Credit Information Pursuant to FCRA 602, 607 ( b ), 611, and 623. Equifax credit reporting agency, to block information appearing on my consumer FICO credit report within 4 business days of receiving this complaint. I am writing to formally dispute multiple inaccurate and misleading entries on my Equifax credit report. These items are being reported in violation of the FCRA 605B ( 15 U.S.C. 1681 et seq. ) and relevant federal case law governing the duty of furnishers and credit reporting agencies to ensure maximum possible accuracy and timely correction of disputed data. Disputed Accounts and Details : XXXX ( Acct. No. XXXX ), reported as Charged Off with {$830.00} balance and {$830.00} past due as of XX/XX/XXXX. Dispute Basis : Inconsistent charge-off reporting and balance status. A charged-off account can not simultaneously reflect an ongoing past due amount. This is a violation of FCRA 607 ( b ) ( requirement for maximum accuracy ) and creates a misleading impression of current delinquency, contrary to Cushman v. Trans Union Corp., 115 F.3d 220 ( 3d Cir. 1997 ). XXXX XXXX XXXX ( Acct. No. XXXX ), listed as charged off with continued monthly updates extending into XXXX. Dispute Basis : Once charged off, the accounts status should not be updated as if still delinquent each month, as this re-ages the debt and violates 15 U.S.C. 1681c ( a ) ( 4 ) and 1681s-2 ( a ) ( 1 ) ( A ) ( furnishers may not report information known to be inaccurate ). Case reference : Saunders v. Branch Banking & Trust Co. of Va., 526 F.3d 142 ( 4th Cir. 2008 ) holding that misleading reporting that implies ongoing delinquency after charge-off violates FCRA obligations. XXXX XXXX XXXX XXXX XXXX XXXX ( Acct. No. XXXX ), reported as charged off {$2000.00}, with recurring CO notations after the charge-off date. Dispute Basis : This pattern constitutes double reporting of delinquency and damages creditworthiness beyond permissible reporting limits, violating FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( B ). Case reference : Sepulvado v. CSC Credit Services , Inc., 158 F.3d 890 ( 5th Cir. 1998 ) requiring FCRAs to reinvestigate and correct misleading tradeline data. XXXXXXXX XXXX XXXX. ( Acct. No. XXXX ), reported charge-off as of XX/XX/XXXX but continues to show balance updates post charge-off. Dispute Basis : Reporting postcharge-off balance updates misrepresents the accounts true nature and violates FCRA 623 ( a ) ( 2 ) ( duty to correct and update inaccurate information ). XXXX XXXX XXXX ( Acct. No. XXXX ) and XXXX XXXX XXXX ( Acct. No. XXXX ), These collection accounts report as active collections for debts already charged off by the original creditors, creating duplicate derogatory listings for the same obligation. This is a material misrepresentation and violates FCRA 607 ( b ) and 623 ( a ) ( 5 ), requiring proper identification and reporting of collection transfers. Case support : Richardson v. Equifax Credit Information Services, 2004 WL 902296 ( E.D. Tex. 2004 ) reporting duplicate collections constitutes inaccurate and misleading credit reporting. XXXXXXXX Acct . No : XXXX ), Status : Closed Delinquent Payment History. Dispute Reason : This account lists multiple late payments ( 30150 days ) which I dispute as inaccurate and unverified. I request all documentation proving these alleged delinquencies, including payment records and original signed agreements. Failure to provide this documentation constitutes a violation of FCRA 1681i and FDCPA 807 ( 8 ), 15 U.S.C. 1692e ( 8 ) for communicating false credit information. Legal Authority and Notice of Rights Under FCRA 611 ( 15 U.S.C. 1681i ), Equifax must conduct a reasonable reinvestigation of each disputed item within 30 days of receipt of this notice. Furthermore, per FCRA 623 ( b ), furnishers must investigate disputed data once notified by the FCRA and report results back to you. Failure to delete or correct inaccurate information within the statutory period constitutes willful noncompliance under 15 U.S.C. 1681n, or negligent noncompliance under 1681o, entitling me to actual, statutory, and punitive damages.

Company response to consumer: Closed with non-monetary relief