Consumer complaint received 2025-12-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint to Equifax after reviewing my credit report and identifying multiple inaccurate and improperly reported items. The inaccurate information listed below constitutes violations of the Fair Credit Reporting Act ( FCRA ), U.S. federal law, and California state consumer protection laws. These items must be reinvestigated and corrected immediately. 

DISPUTED ACCOUNTS & INACCURACIES XXXX. XXXX XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX Reported Balance : {$9900.00} Equifax reports this account as a charged-off account but fails to provide the following legally required information : The actual charge-off date The date of last payment The accurate Date of First Delinquency ( DOFD ) Reporting a charge-off without accurate dates and without verifying the furnishers full documentation violates : FCRA 623 ( a ) ( 5 ) duty to report an accurate DOFD FCRA 607 ( b ) duty to maintain maximum possible accuracy FCRA 611 ( a ) requirement to conduct a reasonable reinvestigation when disputed 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures to assure accuracy If the furnisher can not verify these dates with proper documentation, Equifax must correct the reporting or delete the entry altogether. 

XXXX. XXXX XXXX XXXX Account No. XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX 
Date Opened : XX/XX/XXXX Reported Balance : {$560.00} This item is inaccurate, as the debt was paid before ever being assigned to collections. Reporting this account as a collection is false and violates multiple sections of the FCRA : FCRA 607 ( b ) reporting information without maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) prohibition against reporting information known or believed to be inaccurate FCRA 611 ( a ) failure to reasonably reinvestigate disputed information 15 U.S.C. 1681s-2 ( b ) duty of furnishers to investigate and correct disputed information Since this collection is invalid and can not be verified with accurate documentation, Equifax must immediately delete this item.

FEDERAL LAW VIOLATIONS Equifaxs inaccurate reporting and failure to provide correct, verifiable data violates the following federal statutes : 15 U.S.C. 1681i ( a ) failure to conduct a proper reinvestigation within 30 days 15 U.S.C. 1681e ( b ) failure to maintain reasonable procedures to assure accuracy 15 U.S.C. 1681s-2 ( b ) obligations of furnishers to investigate and correct disputed information FCRA 611 ( a ) ( 1 ) ( A ) failure to reinvestigate upon notice of dispute FCRA 605 ( a ) prohibition on outdated or unverifiable information Any item that can not be verified must be removed, and failure to comply is a direct violation of federal law.

CALIFORNIA STATE LAW VIOLATIONS As a California resident, I am protected by the following state consumer credit and privacy laws : California Consumer Credit Reporting Agencies Act ( CCRAA ) Equifaxs reporting errors violate : Cal. Civ. Code 1785.14 ( a ) failure to follow reasonable procedures for accuracy Cal. Civ. Code 1785.16 ( a ) failure to reinvestigate consumer disputes Cal. Civ. Code 1785.25 ( a ) prohibition against reporting information known to be inaccurate California Consumer Privacy Act ( CCPA ) These reporting inaccuracies also violate : Cal. Civ. Code 1798.105 right to correction of inaccurate personal information Cal. Civ. Code 1798.110 & 1798.115 right to accurate information collected and shared Rosenthal Fair Debt Collection Practices Act If a California debt collector furnished inaccurate or misleading information, this may also violate : Cal. Civ. Code 1788 et seq. prohibition on false or misleading debt collection information

Company response to consumer: Closed with non-monetary relief