Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Formal Complaint Equifax Reporting of Inaccurate and ReAged Accounts To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Equifax Reporting of Inaccurate and ReAged Accounts Dear CFPB Representative, I am submitting this formal complaint against Equifax Information Services LLC for willfully reporting inaccurate and reaged account information in violation of the Fair Credit Reporting Act ( FCRA ). Despite multiple written notices demanding human verification and proper investigation, Equifax continues to verify accounts through automated EOSCAR processing, ignoring my lawful requests. 
Each of the ten accounts listed in Exhibit A contains inaccurate reporting of the Date of First Delinquency ( DOFD ) that occurs before the listed Date Opened. This is a clear chronological impossibility and constitutes reaging under FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), ( 5 ) ( A ). These actions have caused measurable credit, financial, and emotional damages. 
Additionally, the collection agencies listed in Exhibit A have failed to provide proof of ownership or a valid bill of sale establishing any legal right to collect or report these debts. Therefore, they must not be permitted to reinsert or continue reporting these accounts on my credit file without proper documentation of ownership as required by the FCRA. 
I request the CFPB to : ( 1 ) Investigate Equifaxs continued failure to perform a reasonable reinvestigation ; ( 2 ) Require deletion or verified correction of each inaccurate entry ; and ( 3 ) Enforce penalties for continued noncompliance and willful disregard of the FCRA. 
Please find attached Exhibit A and a Summary of Violations and Damages demonstrating the ongoing harm caused by these violations. 
Sincerely, XXXX XXXX XXXX Lower XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX cc : XXXX XXXX, XXXX, Equifax ( XXXX ) Exhibit A Disputed Equifax Accounts with Chronological Inconsistencies Creditor / Collector : XXXX Funding Destiny Bank Account # ( Last XXXX ) : XXXX Date Opened : XX/XX/XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Chronological Inconsistency : DOFD ( XX/XX/XXXX ) occurs before Date Opened ( XX/XX/XXXX ), proving false reporting and reaging in violation of FCRA 607 ( b ), 611 ( a ), 623 ( a ).

Violation Type : Reaged DOFD / DOFD before open date FCRA Sections Violated : 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), ( 5 ) ( A ) Estimated Damages : {$5000.00} Creditor / Collector : XXXX XXXX XXXX XXXX Account # ( Last XXXX ) : XXXX Date Opened : XX/XX/XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Chronological Inconsistency : DOFD ( XX/XX/XXXX ) occurs before Date Opened ( XX/XX/XXXX ), proving false reporting and reaging in violation of FCRA 607 ( b ), 611 ( a ), 623 ( a ).

Violation Type : Reaged DOFD / DOFD before open date FCRA Sections Violated : 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), ( 5 ) ( A ) Estimated Damages : {$5000.00} Creditor / Collector : XXXX Funding XXXX XXXX / Cross River Account # ( Last XXXX ) : XXXX Date Opened : XX/XX/XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Chronological Inconsistency : DOFD ( XX/XX/XXXX ) occurs before Date Opened ( XX/XX/XXXX ), proving false reporting and reaging in violation of FCRA 607 ( b ), 611 ( a ), 623 ( a ).

Violation Type : Reaged DOFD / DOFD before open date FCRA Sections Violated : 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), ( 5 ) ( A ) Estimated Damages : {$5000.00} Creditor / Collector : XXXX XXXX XXXX XXXX XXXX. 
Account # ( Last XXXX ) : XXXX Date Opened : XX/XX/XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Chronological Inconsistency : DOFD ( XX/XX/XXXX ) occurs before Date Opened ( XX/XX/XXXX ), proving false reporting and reaging in violation of FCRA 607 ( b ), 611 ( a ), 623 ( a ).

Violation Type : Reaged DOFD / DOFD before open date FCRA Sections Violated : 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), ( 5 ) ( A ) Estimated Damages : {$5000.00} Creditor / Collector : XXXX XXXX XXXX XXXX Bank Account # ( Last XXXX ) : XXXX Date Opened : XX/XX/XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Chronological Inconsistency : DOFD ( XX/XX/XXXX ) occurs before Date Opened ( XX/XX/XXXX ), proving false reporting and reaging in violation of FCRA 607 ( b ), 611 ( a ), 623 ( a ).

Violation Type : Reaged DOFD / DOFD before open date FCRA Sections Violated : 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), ( 5 ) ( A ) Estimated Damages : {$5000.00} Creditor / Collector : XXXX XXXX XXXX XXXX Bank Account # ( Last XXXX ) : XXXX Date Opened : XX/XX/XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Chronological Inconsistency : DOFD ( XX/XX/XXXX ) occurs before Date Opened ( XX/XX/XXXX ), proving false reporting and reaging in violation of FCRA 607 ( b ), 611 ( a ), 623 ( a ).

Violation Type : Reaged DOFD / DOFD before open date FCRA Sections Violated : 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), ( 5 ) ( A ) Estimated Damages : {$5000.00} Creditor / Collector : Portfolio Recovery XXXX XXXX. 
Account # ( Last XXXX ) : XXXX Date Opened : XX/XX/XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Chronological Inconsistency : DOFD ( XX/XX/XXXX ) occurs before Date Opened ( XX/XX/XXXX ), proving false reporting and reaging in violation of FCRA 607 ( b ), 611 ( a ), 623 ( a ).

Violation Type : Reaged DOFD / DOFD before open date FCRA Sections Violated : 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), ( 5 ) ( A ) Estimated Damages : {$5000.00} Creditor / Collector : XXXXXXXX XXXX XXXX XXXX XXXX XXXX # ( Last XXXX ) : XXXX Date Opened : XX/XX/XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Chronological Inconsistency : DOFD ( XX/XX/XXXX ) occurs before Date Opened ( XX/XX/XXXX ), proving false reporting and reaging in violation of FCRA 607 ( b ), 611 ( a ), 623 ( a ).

Violation Type : Reaged DOFD / DOFD before open date FCRA Sections Violated : 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), ( 5 ) ( A ) Estimated Damages : {$5000.00} Creditor / Collector : XXXX Funding Comenity Bank Account # ( Last XXXX ) : XXXX Date Opened : XX/XX/XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Chronological Inconsistency : DOFD ( XX/XX/XXXX ) occurs before Date Opened ( XX/XX/XXXX ), proving false reporting and reaging in violation of FCRA 607 ( b ), 611 ( a ), 623 ( a ). 
Violation Type : Reaged DOFD / DOFD before open date FCRA Sections Violated : XXXX ( b ), XXXX ( a ), XXXX ( a ) ( XXXX ) ( A ), ( XXXX ) ( A ) Estimated Damages : {$5000.00} Creditor / Collector : XXXX XXXX XXXX Bank Account # ( Last XXXX ) : XXXX Date Opened : XX/XX/XXXX Date of First Delinquency ( DOFD ) : XX/XX/XXXX Chronological Inconsistency : DOFD ( XX/XX/XXXX ) occurs before Date Opened ( XX/XX/XXXX ), proving false reporting and reaging in violation of FCRA XXXX ( b ), XXXX ( a ), XXXX ( a ). 
Violation Type : Reaged DOFD / DOFD before open date FCRA Sections Violated : XXXX ( b ), XXXX ( a ), XXXX ( a ) ( XXXX ) ( A ), ( XXXX ) ( A ) Estimated Damages : {$5000.00} Summary of Violations and Damages Each of the above accounts displays a Date of First Delinquency ( DOFD ) that predates the Date Opened, demonstrating clear reaging and inaccurate reporting under the Fair Credit Reporting Act. 
Total Accounts in Violation : XXXX Statutory Damages per Account : {$5000.00} Total Statutory Damages Claimed : {$50000.00} Applicable FCRA Sections : XXXX ( b ), XXXX ( a ), XXXX ( a ) ( XXXX ) ( A ), ( XXXX ) ( A ), XXXX These inaccuracies demonstrate a consistent and willful pattern of noncompliance by Equifax Information Services LLC under the Fair Credit Reporting Act. The consumer seeks full statutory and punitive damages for ongoing harm caused by XXXX failure to conduct a lawful, humanverified reinvestigation as required under FCRA XXXX ( a ). 
Submitted by : XXXX XXXX XXXX Lower XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Signature : ___________________________ Date : ___________________________

Company response to consumer: Closed with explanation