Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXXXXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding Outdated XXXX XXXX Account Reporting in Violation of the FCRA To Whom It May Concern, I am submitting a formal complaint regarding an outdated, closed child support account being reported on my credit file. The account, maintained by XXXX XXXX XXXX XXXXXXXX XXXX, was paid in full and closed in XX/XX/XXXX, with no delinquencies or missed payments. It is still being reported by the credit bureaus and is currently scheduled to remain on my credit file until XX/XX/XXXX. 

Account Details : Creditor XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Account Type : XXXX XXXX  Date Opened : XX/XX/XXXX Status : Paid, Closed/Never Late Status Last Updated : XX/XX/XXXX Scheduled to Remain Until : XX/XX/XXXX Legal Basis for Complaint : Under the Fair Credit Reporting Act ( FCRA ), I assert that this account 's continued presence on my credit report violates the following provisions : 1. FCRA 605 ( a ) ( 5 ) / 15 U.S.C. 1681c ( a ) ( 5 ) : " No consumer reporting agency may make any consumer report containing ... any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' While this account is not delinquent, the FCRA restricts negative or outdated information from being reported for more than seven years. Although this entry is marked as " never late, '' continued inclusion of closed public record-based accounts over 7 years old particularly if they do not reflect current obligations may mislead lenders and violate the spirit of 1681c ( a ).

2. FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ) : " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Reporting this closed, non-delinquent child support account for nearly 10 years may result in an inaccurate representation of my credit risk profile, thus failing to meet the maximum possible accuracy standard.

3. FCRA 611 / 15 U.S.C. 1681i : Requires the credit bureau to reinvestigate any information a consumer disputes, and delete or correct information that can not be verified or is inaccurate, outdated, or incomplete.

Despite previous dispute efforts with the credit bureaus, this account remains unchanged. I am therefore seeking the CFPBs assistance in enforcing my rights under 1681i and 1681c.

Requested Resolution : I respectfully ask that the CFPB : Review this complaint in light of the FCRA violations outlined above.

Assist in compelling the credit reporting agencies to remove the outdated and closed account.

Ensure that continued reporting of such obsolete, non-negative information is reevaluated for fairness and accuracy.

This outdated and unnecessary listing has the potential to negatively affect my credit profile, despite being fully resolved nearly a decade ago. 

Please feel free to contact me at XXXX or ( XXXX ) XXXX if further information or documentation is needed. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation