Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
Background and Context This is a formal second-round dispute and complaint regarding the account reported by XXXX XXXX XXXX ( Account # XXXX ). 

Despite prior disputes, this tradeline continues to appear across credit bureaus with false dates, re-aged information, and inconsistent balances, all of which violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

The continued reporting of this account after it was closed on XX/XX/XXXX represents a knowing and willful violation of federal law. 

Key Inconsistencies and Evidence of Misreporting Contradictory Account Data Across Bureaus Equifax : Auto Financing Closed XXXX  : Personal Loan Companies Closed XXXX : Savings and Loan Companies Closed The same tradeline can not be reported under XXXX different account types. This demonstrates failure to ensure maximum possible accuracy under FCRA 1681e ( b ). 

False and Impossible Reporting Dates Date Opened : XX/XX/XXXX ( EQXXXX ), XX/XX/XXXX ( XXXX  ) Date Closed : XX/XX/XXXX Last Activity : XX/XX/XXXX ( EQ ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ) Last Reported : XX/XX/XXXX ( EQ ), XX/XX/XXXX ( XXXX  ) This shows fabricated reporting activity XXXX years after the accounts closure, a direct violation of FCRA 623 ( a ) ( 5 ) prohibiting re-aging of accounts. 

Inconsistent Balances and High Balances Equifax : {$8000.00} XXXX & XXXX : {$7200.00} High Balance ranges between {$6800.00} and {$17000.00} These figures are materially inconsistent and unverifiable, violating FCRA 1681s-2 ( a ) ( 1 ) ( A ).

Failure to Correct After Initial Dispute All three CRAs received prior disputes and were notified of inaccuracies.

Continued reporting of false data constitutes a violation of FCRA 611 ( a ) ( 1 ) and 623 ( a ) ( 1 ) ( B ).

No Documentation or Validation Provided No written proof, signed agreement, or repossession record has been supplied to validate the alleged balance.

Reporting unverifiable information violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 3 ).

Legal Violations FCRA Violations 602 ( A ) ( 1 ) Failure to ensure fair and accurate credit reporting.

607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Failure to maintain maximum possible accuracy.

611 ( a ) ( 1 ) ( A ) Failure to properly reinvestigate disputed information.

611 ( a ) ( 5 ) ( A ) - ( B ) Illegal reinsertion or continued reporting after dispute without certification.

623 ( a ) ( 1 ) ( A ) Furnishing information known to be false or inaccurate.

623 ( a ) ( 3 ) Failure to mark the account as disputed.

623 ( a ) ( 5 ) Re-aging of an account beyond its date of first delinquency.

FDCPA Violations 1692e ( 2 ) ( A ) False representation of the character or legal status of a debt.

1692e ( 8 ) Failure to report a disputed debt as disputed.

1692f ( 1 ) Attempting to collect or report an amount not authorized by law or contract.

1692d Deceptive and harassing practices by continuing to report unverifiable data.

Consumer Rights Under federal law, I have the right to : Receive validation of any debt before it is reported or collected. 

Demand deletion of unverifiable or inaccurate information. 

Receive written notice if previously deleted information is reinserted. 

Pursue civil damages for willful and negligent violations.

Company response to consumer: Closed with explanation