Consumer complaint received 2025-09-20 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: MD

Complaint narrative:
To Whom It May Concern, I am submitting this formal dispute regarding multiple inaccurate and misleading entries on my credit report, which have caused severe financial harm, denial of credit, and stress. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2 ( a ), consumers have the right to accurate reporting, and credit reporting agencies and creditors are legally required to investigate and correct inaccurate, incomplete, or misleading information. The following accounts are being reported incorrectly, either as charge-offs, collections, or bankruptcy, despite documented evidence that the balances were paid, settled, discharged, or otherwise inaccurate, and this misreporting materially harms my financial standing. 
STATE ECU, account XXXX XXXX XXXX XXXX XXXX with a high balance of {$68000.00}, opened on XX/XX/XXXX, is reported as a charge-off. I never received proper notice of any delinquency and this charge-off does not accurately reflect my account history. Reporting a charge-off incorrectly violates FCRA Sections 602 ( a ) and 623 ( a ), which require accurate and verifiable reporting. This false reporting has caused undue stress, loss of credit opportunities, and a materially inaccurate representation of my financial history. 
XXXX OF XXXX, account XXXX XXXX XXXX  with a high balance of {$410.00}, opened on XX/XX/XXXX, is similarly reported as a charge-off. I have evidence that payments were made in a timely manner and the creditor has acknowledged the payments, yet my credit report shows a charge-off. This misreporting constitutes a willful violation of the FCRA and misleads potential creditors about my financial reliability. XXXX XXXX XXXX XXXX XXXX XXXX XXXX high balance {$5100.00}, opened on XX/XX/XXXX, is reported as charged off. This account was disputed previously, and I provided documentation proving payments were made according to the agreement, yet the reporting remains inaccurate. According to FCRA Section 609 ( a ), consumers are entitled to obtain all information in their credit file, and knowingly reporting false charge-offs is illegal. 
XXXX XXXX, account XXXX XXXX XXXX XXXX, high balance {$1100.00}, opened on XX/XX/XXXX, is also inaccurately reported as a charge-off. The reporting fails to account for my timely payments and any communication with the creditor regarding disputes. Misreporting charge-offs is a material inaccuracy that affects my ability to secure loans, rent housing, and maintain financial stability. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX high balance {$1300.00}, opened on XX/XX/XXXX, is reported as a charge-off, causing irreparable harm to my credit score. I have records proving the account was active and not in default. This inaccurate reporting has hindered my ability to qualify for credit products, causing direct and material financial damages. 
XXXX XXXX XXXX XXXX XXXX XXXX, high balance {$950.00}, opened on XX/XX/XXXX, is incorrectly reported as charged off despite documented evidence of payments and creditor acknowledgment. This misrepresentation violates my rights under FCRA Sections 609 ( a ) and 623 ( a ) and creates an unfair and misleading impression of my credit history. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  high balance {$2200.00}, opened on XX/XX/XXXX, is incorrectly reported as a charge-off. I have records demonstrating timely payments and communications with the creditor, yet my credit report reflects a charge-off. This misreporting violates FCRA Sections 602 ( a ), 607 ( b ), and 623 ( a ), and materially affects my creditworthiness, causing denial of credit applications and increased interest rates. 
XXXX XXXX, account XXXX XXXX XXXX XXXX XXXX, high balance {$2400.00}, opened on XX/XX/XXXX, is inaccurately reported as a charge-off. Despite evidence that the account was current and no default occurred, the credit reporting agencies continue to list this account as charged off, creating a materially false impression of my financial responsibility. This constitutes a violation of FCRA Sections 609 ( a ) and 623 ( a ), which ensure that consumers are entitled to accurate and verifiable reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX  high balance {$24000.00}, opened on XX/XX/XXXX, is reported as a charge-off without valid documentation or notice. I have documentation proving the account was in good standing and that any alleged default is incorrect. This inaccurate reporting has caused severe financial harm, affecting my ability to secure loans and other financial products, which is a direct violation of FCRA Sections 602, 607, 609, and 623. 
XXXX XXXX, account XXXX XXXX XXXX XXXX high balance {$500.00}, opened on XX/XX/XXXX, is reported as a charge-off incorrectly. Payments were made in accordance with the account agreement, and the creditor has acknowledged the account status ; despite this, the reporting remains inaccurate. Misreporting such accounts is a willful violation under FCRA and demonstrates negligence by both the creditor and credit bureaus. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, high balance {$2900.00}, opened on XX/XX/XXXX, is listed as a charge-off incorrectly. The account was current and in compliance with its terms, and this false reporting has directly impacted my financial reputation and ability to obtain credit. Under FCRA Sections 602 ( a ), 607 ( b ), and 623 ( a ), this reporting must be corrected immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, high balance {$500.00}, opened on XX/XX/XXXX, is reported as a charge-off despite documented proof of payment and creditor acknowledgment. This materially inaccurate reporting violates my rights as a consumer under FCRA Sections 609 ( a ) and 623 ( a ), and has caused undue stress, financial hardship, and lost opportunities. 
XXXX XXXX XXXX XXXX XXXX XXXX, high balance {$1200.00}, opened on XX/XX/XXXX, is reported as a collection incorrectly. I have evidence that the balance is disputed and/or fully resolved, yet my report shows a collection, causing significant harm to my credit profile and violating FCRA Sections 602 ( a ) and 623 ( a ). 
XXXX XXXX XXXX XXXX XXXX XXXX, high balance {$1200.00}, opened on XX/XX/XXXX, is reported as a collection inaccurately. Payments and settlement information were provided to the creditor, yet the reporting remains materially incorrect. This inaccurate reporting has caused denial of credit, higher interest rates, and other financial damages, constituting a violation of federal law under FCRA Sections 602, 607, 609, and 623. 
XXXX XXXX XXXX XXXX XXXX XXXX high balance {$1200.00}, opened on XX/XX/XXXX, is reported as a collection incorrectly. I have documentation showing the account was resolved, settled, or disputed, yet the credit report lists it as an active collection. This materially false reporting violates FCRA Sections 602 ( a ), 607 ( b ), 609 ( a ), and 623 ( a ) and has caused denial of credit and financial stress. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, high balance {$0.00}, opened on XX/XX/XXXX, is inaccurately reported as charged off. This account was fully paid and settled, and the creditor has acknowledged the balance is XXXX, yet my credit report reflects a charge-off. Misreporting a zero-balance account as charged off is a material inaccuracy under FCRA Sections 602, 607, 609, and 623 and has caused undue stress, loss of credit opportunities, and financial harm. 
Chapter XXXX Bankruptcy, Reference # XXXX, XXXX Bankruptcy XXXX, is reported incorrectly or inaccurately reflected on my credit report. My bankruptcy filing and discharge were completed according to the court order, yet the reporting does not accurately reflect the discharge date or status. Misreporting a bankruptcy filing or its status violates FCRA Sections 602, 607 ( b ), 609 ( a ), and 623 ( a ) and materially impacts my financial record, creditworthiness, and ability to obtain new credit.

I demand that all disputed accounts, charge-offs, collections, and bankruptcy entries be immediately investigated, corrected, and updated to reflect accurate and verifiable information. Written confirmation must be provided verifying that these inaccuracies have been corrected and that my credit reports now reflect the true status of these accounts. Failure to comply constitutes a violation of federal law and may subject the responsible parties to legal action.

Company response to consumer: Closed with non-monetary relief