Consumer complaint received 2024-11-25 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:
Over the course of 4 years, I have made over a dozen attempts through disputing/requesting validation and contractual verifications on several accounts that continue to be reporting by Equifax, in which are fraudulent accounts that were breached back in XXXX. I wasn't aware of the requirements to file an identity theft report via FTC until recently.FTC Report # XXXX Between the severe negligence of inaccurate reporting, furnisher knowingly reporting without providing validations/verifications/or proof of disclosures or periodic statements, I have a total of XXXX ( XXXX ) accounts that contain a total of XXXX C/O ( Charge-off Negative reporting ), many without late payments ( In which were NOT mine/opened by me specifically ), a total of XXXX inquiries that were NOT initiated by my person & several of these accounts are BEYOND 7 YEARS OLD, which violates FCRA/FDCPA 15 USC 1605 ( B ), 1681C ( 2 ), as well as going beyond the 4 years of FL statute of limitations on credit card collection timeframe. I have attached a copy of my Equifax report and notated the referenced accounts with the page numbers correlated to the accounts that have resulted in numerous violations from reporting inaccuracies, delinquencies, XXXX charge-off monthly totals, and collection activity that have violated my rights within the FDCPA and FCRA laws. 

In depth detail, the latest report from Equifax XXXX # XXXX ( pdf attached for verification ) pulled on XXXX, shows the following inaccurate accounts. I also called Equifax to obtain the total disputing transactions to date and they were unable to provide that information to me but instead " put in a technical request inquiry '' and still have NOT received an email in regards to that specific request. This has been an ongoing issue with no resolution and I will be seeking litigation to correct this and seek financial compensation for the damages I have endured through no fault of my own. 
Below are the following accounts that are necessary to remove, as part of the breach from XXXX : XXXX )XXXX XXXX XXXX XXXX ( PAGE 7 ), Status Charge-Off ( 57 Months reported as CO ), Opened XXXX Last reported XXXX, shows only XXXX late XX/XX/XXXX charged off XX/XX/XXXX yet a balance of {$670.00}, have disputed numerous times, no response on verification of validation. per XXXX ( B ), the furnisher MUST conduct reasonable investigation, nothing has EVER BEEN provided. Charge off = INCOME, per the IRS ( F1099C ) that shall NOT be reported on consumer credit reports. 
XXXX ). XXXX XXXX ( Page 10-12 ), Status Charge-Off ( 19 Months reported as CO ), Opened XX/XX/XXXX, last reported XX/XX/XXXX Balance {$170.00}, Inaccurate information of " date of XXXX delinquency on XX/XX/XXXX & then " Delinquency 1st reported on XX/XX/XXXX '' ... How can BOTH of those statements be true? Charge off = INCOME, per the IRS ( XXXX ) that shall NOT be reported on consumer credit reports 3 ). XXXX XXXX XXXX ( XXXX XXXX ) Closed as Charge off with a positive balance of {$190.00}. Date Opened XX/XX/XXXX, last reported XX/XX/XXXX ( 49 Monthly XXXX ) XXXX XXXX reported XX/XX/XXXX. This is OVER XXXX XXXX XXXX, Disputed MANY times and no validation/contractual information sent. 
XXXX ). XXXX XXXX XXXXXXXX ( Page XXXX ), Charge-Off Account Balance {$480.00}, Opened XX/XX/XXXX, Date Closed XX/XX/XXXX - ( XXXX CHARGE OFF Months reported ), Date Reported XX/XX/XXXX. 
XXXX ). XXXX XXXX XXXX Balance {$440.00} Opened XX/XX/XXXX - PAST 7 YEARS for reporting, date reported XX/XX/XXXX Status : Charge-Off ( XXXX ) Monthly Charge Offs, Date of XXXX delinquency XX/XX/XXXX ; Delinquency 1st reported XX/XX/XXXX - HOW CAN THIS BE ACCURATE? This account is EXACT to whats reporting on Page 38, with all the same information just different account #. Again, this Charge Off is considered income, per IRS F1099C and MUST BE DELETED! Both XXXX XXXX Accounts. 
XXXX ). XXXX XXXX XXXX XXXX  XXXX XXXX ( Page XXXX ) Balance {$330.00} - Status : Charge-Offs ( 56 Monthly Charge Offs ) Date Opened XX/XX/XXXX, date reported XX/XX/XXXX - Date of 1st delinquency, XX/XX/XXXX - Delinquency 1st reported XX/XX/XXXX XXXX ). XXXX XXXX - Charge off - Reported Balance {$0.00} - Date of last activity is XX/XX/XXXX, but doesnt show when the account was charged off. Because of the 4 year statute of FL limitations and IRS XXXX income, this should NOT be reporting as of 5+ years later, TO DELETE! 
XXXX ). XXXX XXXX XXXX XXXX XXXX XXXX Page 35-37 ) Duplicate of # 6, similar specific details BUT the account # differs. Status : Charged-off - ( 46 Monthly Charge offs ), Balance {$330.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX XXXX ). XXXX XXXX XXXX - ( page 38 ) Charge Off Status -Balance {$440.00} ( XXXX Charge Off Monthly negatives ), Identical specifics as # XXXX, different account number. Date XXXX, date reported XX/XX/XXXX. Again, this Charge Off is considered income, per IRS F1099C and MUST BE DELETED! Its also OVER 7 years reporting and over 4 years of statutes of limitations. 
XXXX ). XXXX XXXX  XXXX - ( page 42 ) Reported as late but account status shows Paid and Closed, Disputed, account Status Not more than XXXX payments past due. {$0.00} Balance - I never received any notice per 15 USC 1666B of a late payment notice nor 15 USC 1637B No Periodic statement sent to myself regarding any LATE PAYMENTS. Please update accordingly! 
XXXX ) .XXXX  XXXX XXXX ( page 47 ) Status : Closed/Charged off, account transferred or sold - Balance {$0.00} - Date opened XX/XX/XXXX Date Closed XXXX reported XX/XX/XXXX ( XXXX CHARGE OFF MONTHLY INACCURATE REPORTINGS ). This Information IS inaccurate, as I have disputed many times. I was in a car accident in XX/XX/XXXX AND XXXX was paid by both XXXX XXXX and GAP coverage in XX/XX/XXXX. Dates are furnished inconsistently and MUST be DELETED. Notated as account transferred or sold and that also is a violation. - DELETE! 
XXXX ). XXXX XXXX  XXXX ( Page 49-50 ) Balance {$310.00} Just Opened XX/XX/XXXX, reported XX/XX/XXXX, 1st date of delinquency XX/XX/XXXX - THERE IS NO ORIGINAL ACCOUNT/CREDITOR or any information provided, as I have NO contractual agreement with this company. - INACCURATE REPORTING - MUST BE DELETED!

Company response to consumer: Closed with non-monetary relief