Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
XXXX * * FTC COMPLAINT LETTER Regarding Improper Credit Reporting Violation of FCRA 605 ( b ) * * XXXX XXXX XXXX XXXX XXXX Box XXXX XXXX, AE XXXX XXXX XXXX XXXX XX/XX/year> Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DC XXXX Subject : Formal Complaint Regarding Violations of FCRA 605 ( b ) by TransUnion, Equifax, Experian To Whom It May Concern, I am submitting this formal complaint to the Federal Trade Commission regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) by TransUnion, Equifax and Experian. These violations relate specifically to FCRA 605 ( b ), codified at 15 U.S.C. 1681c ( b ), which restricts the reporting of outdated, obsolete, or otherwise prohibited adverse information on consumer credit reports. 
2 / 4 Nature of the Complaint Upon reviewing my consumer report, I discovered several items that are being reported in violation of the federal reporting limitations established under FCRA 605 ( b ). These items appear to be obsolete, inaccurately dated, or improperly retained beyond the legally permitted reporting period. 

The following items are in direct violation : XXXX. XXXX Account Number : XXXX Issue : Account is older than the XXXX reporting limit, Incorrect date of first delinquency used to artificially re-age the account, This account is older than the allowable reporting period, The date of first delinquency is incorrect, This information should have aged off. 
XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Issue : This account is older than the allowable reporting period, The date of first delinquency is incorrect, This information should have aged off, This account isnt following the SCRA law for Active Military, Account is older than the XXXX reporting limit, Incorrect date of first delinquency used to artificially re-age the account. 
XXXX. XXXXXXXX XXXX  Account Number : XXXX Issue : Account is older than the XXXX reporting limit, Incorrect date of first delinquency used to artificially re-age the account, This account is older than the allowable reporting period, The date of first delinquency is incorrect, This information should have aged off, This account is inactive. 



Efforts Taken 3 / 4 I have attempted to resolve this matter by directly disputing these items with the credit bureau ( s ). Despite providing documentation and citing applicable laws, the inaccurate or obsolete information remains on my credit report, indicating a failure to comply with federal requirements.

This noncompliance reflects : A failure to follow reasonable procedures to ensure maximum possible accuracy Improper retention or reporting of information prohibited under FCRA 605 ( b ) Potential re-aging of accounts or failure to properly record dates of first delinquency These actions negatively impact my creditworthiness and violate consumer protection laws.

Requested FTC Action I respectfully request that the FTC : 1. Investigate the reporting practices of the involved credit bureau ( s ) and/or furnishers ; 2. Determine whether their actions constitute willful or negligent violations of FCRA 605 ( b ) ; 3. Require corrective actions, compliance measures, or enforcement as deemed appropriate.

4 / 4 I am attaching supporting documentation including : A copy of my credit report with disputed items highlighted Copies of dispute letters sent to the credit bureaus Responses ( or lack thereof ) from the credit bureaus Proof of my identity and any documentation supporting the true dates of the accounts I appreciate your attention to this important matter and am requesting guidance on any additional steps I should take.

Thank you for your assistance and for your continued commitment to consumer protection. 

Sincerely, XXXX XXXX XXXX Attachments : Highlighted credit report Dispute letters Responses from bureaus Supporting documents Proof of identity

Company response to consumer: Closed with explanation