Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
Date : XX/XX/year> Subject : Demand for Investigation and Immediate Deletion of Illegally Reported, Inaccurate, and Unlicensed Collections To the Consumer Financial Protection Bureau : I am filing this complaint pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., against multiple entities for unlawfully furnishing inaccurate, duplicative, unverifiable, and misleading information to the credit reporting agencies ( CRAs ), in violation of federal and state law. 


XXXX XXXX XXXX XXXX  ( Accounts Ending in * XXXX and * XXXX ) These accounts were converted into civil judgments through " Agreed Final Judgments '' in Texas ( Cause XXXX. XXXX and XXXX ). 
XXXX continues to report these tradelines as active charge-offs with balances, despite their legal status as court-enforced judgments. 
FCRA Violations : 1681e ( b ) Failing to ensure maximum possible accuracy.

1681s-2 ( b ) Inaccurate and duplicative reporting of settled claims.

1681i ( a ) Failure to update after formal dispute and judgment. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Acct * XXXX ) Reporting a charged-off debt for {$14000.00}, yet the balance exceeds the original credit limit ( {$14000.00} vs {$13000.00} ). 
No transactional or billing history to substantiate the balance.

FCRA Violations : 1681e ( b ) 1681s-2 1681i 1681b XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct ending * XXXX ) My credit report shows a {$13000.00} balance, but the true balance is {$990.00} as of XX/XX/year>. 
FCRA Violations : 1681e ( b ) 1681i ( a ) XXXX. XXXX XXXX XXXX ( XXXX ) XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is not licensed to collect debts in Texas per Tex. Fin. Code 392.101.

Reporting a collection for {$710.00} based on a charged-off XXXX XXXX XXXX XXXX 
Both XXXX and XXXX are reporting the same obligation post-sale, causing duplicative derogatory impact. 
FCRA Violations : 1681s-2 ( a ) ( 1 ) ( B ) 1681e ( b ) 1681b 1681i ( a ) XXXX XXXX XXXX XXXX XXXX XXXX ( Acct * XXXX ) Balance of {$230.00} remains reported despite long delinquency, fragmented history, and no collection validation.

Unlicensed in Texas. 
FCRA Violations : Same as above. 


XXXX. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX ( XXXX ) Both are collecting or reporting in Texas without valid licenses. 
I never consented to the sharing or sale of my data to third-party XXXX. 
FCRA Violations : 1681b 1681e ( b ) 1681s-2 ( b ) 7. General Privacy & Consent Violations I never provided written consent for any of these companies to access, sell, or publish my personal financial data.

Continued reporting and data-sharing violates my privacy rights under FCRA and potentially constitutional protections. 


Relief Requested : - Immediate deletion of all tradelines reported by : XXXX XXXX ( charged-off versions only ) XXXX XXXX XXXX credit card * XXXX and auto loan * XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Full audit and investigation into the unlicensed debt collection activities of all listed companies in the state of Texas.

- Civil penalties for repeated FCRA violations and negligent reinvestigation failures.

Supporting Evidence : - Equifax and TransUnion reports dated XX/XX/year> - Court judgments and debt agreements with XXXX XXXX - Screenshots from XXXX  Consumer Access showing lack of Texas licenses Respectfully, XXXX XXXX XXXX, Texas

Company response to consumer: Closed with non-monetary relief