Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am formally disputing the XXXX XXXX  account ending in XXXX, which is inaccurately reported on my credit file. Your continued reporting of incorrect and misleading information is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 
IDENTIFIED INACCURACIES & FCRA VIOLATIONS 1. Failure to Ensure Maximum Possible Accuracy 15 USC 1681e ( b ) The balance is {$3900.00}, while the credit limit is listed as {$3000.00}, reflecting an over-limit situation. However, this does not match typical account behavior for charge-offs. If the account was charged off, the balance should not continue to accrue beyond the limit without valid proof of fees and charges. 
The XXXX XXXX is reported as {$0.00}, which is incorrect. A revolving credit account should show a high balance reflecting actual usage. 
2. Misleading & Incomplete Information 15 USC 1681a ( 1 ) ( A ) The Date of Last Activity is missing, which prevents an accurate assessment of when the account became delinquent.

The charge-off status is applied without a proper explanation of how the balance accrued beyond the limit. 
The payment history inconsistently reflects late payments ( 60, 90, 120, 150 days past due ) leading to a charge-off, yet the account is reported as closed in XX/XX/year>, while delinquency is first reported in XXXX XXXXthis is contradictory and misleading. 
3. Failure to Properly Investigate & Remove Inaccurate Information 15 USC 1681i ( a ) ( 5 ) The account was previously disputed, but the data furnisher failed to provide complete and verifiable proof that the information is accurate.

If the charge-off occurred in XX/XX/year>, there should not be any new delinquency reported in XX/XX/year>. The timeline is inconsistent and suggests errors in reporting. 
The Charge Off Amount is {$0.00}, which contradicts the reported balance of {$3900.00}. This inconsistency is a clear violation of FCRAs accuracy requirements. 
DEMAND FOR IMMEDIATE REMOVAL Due to these serious discrepancies, I demand that this account be permanently removed from my credit report. If XXXX XXXX  and the credit bureau can not produce verifiable and fully accurate records supporting every detail of this account, then per 15 USC 1681i ( a ) ( 5 ), this account must be deleted immediately. 
If you fail to take corrective action within 30 days, I will escalate my complaint by : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General 's Office. 
Pursuing legal action under 15 USC 1681n & 1681o for willful and negligent noncompliance, holding you liable for damages.

I expect written confirmation of deletion or a copy of your complete verification records. Failure to comply will result in further legal action. 

This is my final notice before official complaints and legal escalation. 

XXXX XXXX XXXX Also says this account is not my report which is also an inaccuracy because its still appears

Company response to consumer: Closed with explanation