Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
SUMMARY OF ERRORS IDENTIFIED 1. Inaccurate Bankruptcy Reporting Experian and TransUnion both list two Chapter XXXX bankruptcies filed in XXXX, one in XXXX and one in XXXX, marked as dismissed. 
Equifax, however, does not list any bankruptcy. 
Under FCRA 602 ( A ) and 607 ( b ), information must be reported accurately and consistently across all bureaus. Reporting duplicate or inconsistent bankruptcies is a violation of the accuracy requirement. 
________________________________________ 2. Re-Aged and Duplicated Accounts Several accounts are duplicated or re-aged under different names or slightly varied identifiers : XXXX XXXX XXXX XXXX XXXX  / XXXX  appears under multiple labels and dates across bureaus, with inconsistent status ( e.g., Closed - Chapter XXXX vs. Open - Pays as Agreed ). 
XXXX XXXX  is listed twice on both Experian and TransUnion, with different account numbers and statuses. 
Violates FCRA 623 ( a ) ( 5 ) ( accurate date of first delinquency ) and Metro 2 Format guidelines for Account Number Consistency and Duplicate Tradelines. 
________________________________________ 3. Incorrect Included in Chapter XXXX Notations Several accounts show Included in Chapter XXXX even though : The bankruptcy was dismissed, not XXXX. 
Some accounts ( e.g., XXXX, XXXX, XXXX XXXX ) are open and current with no late history. 
Violates FCRA 607 ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) data furnishers must report only accurate information. Reporting included in bankruptcy when the case was dismissed is materially misleading. 
________________________________________ 4. Improper Charge-Off on Paid or {$0.00} Accounts Discover Student Loan shows Paid Charge-Off with {$0.00} balance. 
Under FCRA 605 ( a ) and 15 U.S.C. 1681c ( a ) ( 4 ), once paid, the item should not reflect derogatory charge-off language that misleads creditors. 
This is also deceptive under the Fair Debt Collection Practices Act ( FDCPA ) 807 ( 8 ) communicating false credit information. 
________________________________________ 5. Inconsistent Reporting Between Bureaus Experian reports all open accounts ( XXXX, XXXX XXXX XXXX XXXX XXXX  ) as Pays as Agreed with no lates. 
Equifax and TransUnion show the same accounts as Included in Chapter XXXX / Wage Earner Plan. 
Violates FCRA 611 ( a ) ( 1 ) ( A ) the bureaus failed to ensure reinvestigation accuracy after updates were made. 
________________________________________ 6. Violation of Consumer Rights ( FCRA 611 & 609 ( a ) ( 1 ) ( A ) ) None of the reports include verification source information ( furnisher name, date verified, or method used ) for reinvestigated accounts such as XXXX  XXXX XXXX and XXXX XXXX. 
Under 611 ( a ) ( 6 ) ( B ) ( iii ), consumers have the right to this documentation ; failure to disclose constitutes non-compliance. 
________________________________________ FORMAL DISPUTE LETTER To : Experian Information Solutions , Inc . 
P.O. XXXX XXXX, XXXX, XXXX  XXXX TransUnion XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ Subject : Formal Notice of FCRA Violations & Demand for Immediate Deletion or Correction Date : XX/XX/XXXX Consumer : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX ________________________________________ Dear Credit Bureau Compliance Department, This letter serves as a formal dispute and demand for reinvestigation pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and related consumer protection laws. 
Upon review of my recent credit reports, I have identified several material inaccuracies and legal violations that have caused direct harm to my credit profile. Specifically : 1. Duplicate and inaccurate bankruptcy listings appear under both XX/XX/XXXX and XX/XX/XXXX, which violates FCRA 607 ( b ) ( maximum possible accuracy ). 
2. Misleading Included in Chapter XXXX notations appear on current or never-late accounts, violating 623 ( a ) ( 1 ) ( A ).

3. Inconsistent reporting across Experian, Equifax, and TransUnion for the same tradelines ( e.g., XXXX XXXX, XXXX XXXX, XXXX ) violates 607 ( b ) and Metro 2 compliance. 
4. Improper Charge-Off language remains on accounts that are paid or {$0.00} balance, violating 605 ( a ) ( 5 ). 
5. Failure to provide method of verification for prior disputes violates 611 ( a ) ( 6 ) ( B ) ( iii ). 
These errors not only misrepresent my creditworthiness but also violate FCRA 602 ( A ), which requires fair and accurate reporting to protect consumers from unjust credit injury. 
________________________________________ Requested Action I demand that each bureau conduct a complete reinvestigation and either : ( 1 ) Delete all inaccurate and unverifiable information from my file within 30 days, or ( 2 ) Provide written documentation verifying the source, method, and data furnisher used to validate each disputed item.

Failure to comply within the statutory timeframe will constitute willful noncompliance under FCRA 616 and negligent noncompliance under 617, subject to civil liability and damages. 
________________________________________ Disputed Items Summary Account Name Bureau ( s ) Issue Requested Resolution XXXX  XXXX XXXX EQ/EX/TU Incorrectly marked Included in XXXX XXXX despite dismissal Remove bankruptcy notation XXXX XXXX ( both accounts XXXX EQ/EX/TU Duplicate reporting with inconsistent data Merge or delete duplicates XXXX XXXX XXXX XXXX XXXX EQ/TU Conflicting Closed XXXX XXXX XXXX XXXX XXXX XXXX Pays as Agreed Correct or delete XXXX XXXX/ XXXX XXXX XXXX XXXX Paid charge-off with {$0.00} balance Correct to Paid as Agreed XXXX  XXXX  EX/TU Incorrect bankruptcy association Correct to Pays as Agreed Bankruptcy filings ( XXXX + XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX only one accurate record ________________________________________ Please send your reinvestigation results and verification documents to the address listed above. 
I reserve all rights under the FCRA, FDCPA, and Consumer Financial Protection statutes to pursue legal action for noncompliance. 
Respectfully, XXXX XXXX XXXX [ Signature ] SSN ( last XXXX ) : XXXX Date : XX/XX/XXXX 2025

Company response to consumer: Closed with non-monetary relief