Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate, Unverified, and Fraudulent XXXX Account under FCRA and FDCPA I am writing to formally dispute a fraudulent collection account reported by XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account is listed on my credit reports with XXXX, XXXX, and Equifax as a derogatory item with a balance of {$1700.00}, marked as closed and in collection/charge-off status. I do not recognize this account, nor did I authorize any such service or debt with XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I assert my rights under the following provisions : 15 U.S.C. 1681i Right to dispute and reinvestigation of inaccurate or unverifiable information.

15 U.S.C. 1681c-2 Obligation to block identity theft-related information upon submission of an identity theft report.

15 U.S.C. 1681s-2 Duty of furnishers to report accurate information and to investigate disputes.

Additionally, FCRA Sections 616 and 617 ( 15 U.S.C. 1681n and 1681o ) provide for civil liability for willful or negligent noncompliance. 

ACCOUNT IN DISPUTE : Creditor : XXXX Account Number ( as reported ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} Reported By : XXXX, XXXX, Equifax According to my most recent credit report, the following discrepancies have been identified : TransUnion lists the account as Closed with a Collection/Chargeoff status, reported as of XX/XX/XXXX, with a date of last activity on XX/XX/XXXX. 

Experian also marks the account as Closed with a Collection/Chargeoff status, but reports a different date of last activity ( XX/XX/XXXX ) and a different date reported ( XX/XX/XXXX ). 

Equifax, however, shows the account as Open, with a status of Late 120 Days, and uses a different last activity date ( XX/XX/XXXX ). 

All three bureaus report the same balance, yet the inconsistencies in account status, dates of last activity, and payment status point to erroneous and unverifiable reporting. 

Despite multiple attempts to obtain debt validation directly from XXXX or any collection agency associated with this account, I have not received any legally sufficient documentation substantiating the legitimacy or accuracy of this alleged debt. 

LEGAL VIOLATIONS : FCRA 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ] Requires credit reporting agencies ( CRAs ) to investigate disputed information. If unverifiable, the data must be removed.

FCRA 611 ( a ) ( 5 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] Mandates deletion or correction of data found to be inaccurate or unverifiable.

FCRA 623 ( a ) ( 1 ) & ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ] Furnishers of information must ensure accurate and complete reporting.

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] CRAs must implement reasonable procedures to ensure maximum possible accuracy.

FDCPA 807 & 809 [ 15 U.S.C. 1692e & 1692g ] If XXXX or any third-party collector is acting as a debt collector, they must provide a validation notice and cease collection if the debt is disputed and not validated. 

FCRA 1681n & 1681o XXXX and/or the reporting agencies may be liable for willful or negligent violations of the FCRA. 

ACTIONS REQUESTED : Immediate deletion of the XXXX account from all three credit bureaus ( XXXX, XXXX, and Equifax ) Written confirmation of removal or complete correction of this account. 

XXXX that no further reporting will occur unless full and accurate verification is obtained and lawfully documented. 

ADDITIONAL CONSIDERATION : I must emphasize that the continued reporting of this inaccurate and disputed XXXX account has severely harmed my creditworthiness and has negatively impacted my ability to provide housing for my children. Despite my requests, I have not received any contract or agreement containing my personal information from XXXX or any party claiming ownership of this debt. More than 60 days have passed without response, in violation of consumer protection laws. 

Furthermore, I have verified that this account does not appear on other bureaus during certain periods, suggesting it has been either previously removed or was never reported to them in the first place. The inconsistency further supports the position that this account is either fraudulent, inaccurate, or unverifiable.

Company response to consumer: Closed with non-monetary relief