Consumer complaint received 2025-03-10 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: NJ

Complaint narrative:
I am filing this complaint against [ Credit Bureaus : Experian, Equifax, TransUnion ] and collection agencies for violating my rights under the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, unverifiable, and outdated information on my credit report. Despite my disputes, these violations persist, causing financial harm. 

Below, I outline the specific issues and violations for each account : XXXX. XXXX Account XXXX : XXXX... 

Recent Balance : {$2600.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$2600.00} written off as of XX/XX/XXXX. 

Violations : FCRA 611 Failure to Conduct a Proper Investigation : Despite disputes, the account status and balance remain unchanged. The creditor failed to investigate and correct inaccuracies, violating your right to an accurate credit report.

FCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$2600.00} ) and status ( " charged off '' ) are inconsistent and misleading. The creditor failed to ensure the accuracy of the information reported.

FCRA 605 Failure to Update Information : The account remains marked as " charged off '' without proper validation or correction, even after disputes were filed.

Unfair Practices : The creditor continues to report a past-due balance of {$2600.00}, even though the debt was written off. This is misleading and unfair to consumers. 

XXXX. XXXXXXXX XXXX  Account XXXX : XXXX... 

Recent Balance : {$7200.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$7200.00} written off as of XX/XX/XXXX. 

Violations : FCRA 611 Failure to Conduct a Proper Investigation : The creditor failed to address disputes regarding the charged-off status and balance, leaving inaccurate information on your credit report.

FCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$7200.00} ) and status ( " charged off '' ) are inconsistent and misleading.

FCRA 605 Failure to Update Information : The account remains marked as " charged off '' without proper validation or correction, even after disputes were filed. 

Unfair Practices : The creditor continues to report a past-due balance of {$7200.00}, even though the debt was written off. This is misleading and unfair to consumers. 

XXXX. XXXX XXXX XXXX Account Number : XXXX... 

Recent Balance : {$2900.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : XXXX account. {$2900.00} past due as of XX/XX/XXXX. 

Violations : FDCPA 809 Failure to Validate Debt : The creditor failed to provide proper validation of the debt, violating your right to dispute and verify the debt.

FCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$2900.00} ) and status ( " collection account '' ) are inconsistent and misleading. 

FCRA 605 Failure to Update Information : The account remains marked as " past due '' without proper validation or correction, even after disputes were filed. 

Unfair Practices : The creditor continues to report a past-due balance of {$2900.00} without providing proper validation or documentation. 

XXXX. XXXX XXXX Account XXXX : XXXX... 

Recent Balance : {$1000.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : XXXX account. {$1000.00} past due as of XX/XX/XXXX. 

Violations : FDCPA 809 Failure to Validate Debt : The creditor failed to provide proper validation of the debt, violating your right to dispute and verify the debt.

FCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$1000.00} ) and status ( " collection account '' ) are inconsistent and misleading.

FCRA 605 Failure to Update Information : The account remains marked as " past due '' without proper validation or correction, even after disputes were filed. 

Unfair Practices : The creditor continues to report a past-due balance of {$1000.00} without providing proper validation or documentation. 

XXXX. XXXX XXXX Account XXXX : XXXX... 

Recent Balance : {$1700.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : XXXX account. {$1700.00} past due as of XX/XX/XXXX. 

Violations : FDCPA 809 Failure to Validate Debt : The creditor failed to provide proper validation of the debt, violating your right to dispute and verify the debt.

FCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$1700.00} ) and status ( " collection account '' ) are inconsistent and misleading.

FCRA 605 Failure to Update Information : The account remains marked as " past due '' without proper validation or correction, even after disputes were filed. 

Unfair Practices : The creditor continues to report a past-due balance of {$1700.00} without providing proper validation or documentation. 

XXXX. XXXX XXXX XXXX Account XXXX : XXXX... 

Recent Balance : {$0.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Closed. {$2900.00} written off. 

Violations : FCRA 607 ( b ) Inaccurate Reporting : The reported balance ( 0 ) and status ( " closed '' ) are inconsistent with the writtenoff amount ( XXXX ). 

FCRA 605 Failure to Update Information : The account remains marked as " closed '' with a written-off balance without proper validation or correction. 

Unfair Practices : The creditor continues to report a written-off balance of {$2900.00} without providing proper validation or documentation. 

XXXX. XXXX XXXX Account XXXX : XXXX... 

Recent Balance : {$3300.00} as of XX/XX/XXXX Date Opened : XX/XX/XXXX Status : Account charged off. XXXX written XXXX past due as of XX/XX/XXXX. 

Violations : FCRA 611 Failure to Conduct a Proper Investigation : Despite disputes, the account status and balance remain unchanged. The creditor failed to investigate and correct inaccuracies.

FCRA 607 ( b ) Inaccurate Reporting : The reported balance ( {$3300.00} ) and status ( " charged off '' ) are inconsistent and misleading.

FCRA 605 Failure to Update Information : The account remains marked as " charged off '' without proper validation or correction, even after disputes were filed.

Unfair Practices : The creditor continues to report a past-due balance of XXXX, eventhough XXXX was written off. This is misleading and unfair to consumers. 

Resolution Requested I request that the CFPB take the following actions : Investigate the creditors for FCRA and FDCPA violations. 

Require the creditors to correct the inaccuracies on my credit report. 

Ensure that the creditors conduct proper investigations of my disputes. 

Hold the creditors accountable for any violations of consumer protection laws. 

Provide me with compensation for the harm caused by these violations, including emotional distress and any financial losses. 


Thank you for your attention to this matter. I trust that the CFPB will take appropriate action to address these violations and protect my rights as a consumer. Please contact me at XXXX if you require additional information. 

Sincerely, XXXX XXXX Requested Resolution : Immediate deletion of all inaccurate and unverifiable accounts. 
A full investigation into the compliance of the furnishers with FCRA laws. 
Compensation for any damages caused due to these reporting violations.

Company response to consumer: Closed with non-monetary relief