Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is furnishing false, misleading, and unverifiable information on my Equifax credit file in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ), 1681s-2 ( b ), and 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ). 

The tradeline currently appears as an open account with a fabricated Date Opened of XX/XX/year>, and falsely lists XXXX XXXX XXXX as the original creditor. This is a material inaccuracy and a deceptive misrepresentation of the accounts ownership, age, and status. 

I have never received any original account-level documentation substantiating XXXX  legal right to report or collect this alleged debt. During my previous disputes, I specifically requested the following information to verify the accuracy and legitimacy of this account : A full copy of the original signed agreement or contract with the alleged original creditor ; Complete payment and charge-off history from the original creditor ; The Date of First Delinquency ( DOFD ) reported to the credit bureaus ; Proof of assignment, purchase, or chain of custody between the original creditor and XXXX XXXX XXXX ; Documentation establishing XXXX  legal authority to furnish data to any consumer reporting agency ; Validation of the alleged balance, including an itemized accounting of any fees or interest. 

None of this documentation was ever provided by XXXX XXXX XXXX or Equifax. Despite failing to validate ownership or accuracy, the tradeline continues to appear on my Equifax report as an open collection account, implying recent activity. Reporting a debt with a falsified open date and identifying a debt buyer as the original creditor constitutes data furnishing misconduct and re-aging, both of which violate FCRA 605 ( a ) and FDCPA 807 ( 2 ) ( A ). 

Equifaxs verification of this disputed account without producing supporting evidence reflects a failure to conduct a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ). Continuing to report unverified and false information after notice of dispute is a willful violation of 623 ( a ) ( 1 ) ( A ) and subject to civil liability under 616617. 

These inaccurate and unverifiable entries have harmed my creditworthiness, misrepresented my payment history, and misled potential creditors. 



Requested Action 1. Immediate and permanent deletion of the XXXX XXXX XXXX tradeline from all Equifax consumer files ; 2. Written confirmation that Equifax has suppressed the data and notified all downstream data furnishers ; 3. Referral for potential regulatory enforcement against XXXX XXXX XXXX for systemic FCRA and FDCPA violations. 

Evidence Provided Attached is a screenshot from my Equifax file showing XXXX XXXX XXXX listed as both the current and original creditor with an inaccurate Date Opened : XX/XX/year>. This demonstrates deliberate misreporting of account ownership and re-aging of a previously closed debt. 

This inaccurate reporting is causing ongoing harm to my credit reputation and violates federal consumer protection laws. I am requesting immediate deletion of this unverifiable tradeline and full suppression of XXXX XXXX XXXX reporting rights for this account. Any continued publication of this false data will be treated as willful FCRA noncompliance and referred for legal review and damages under 15 U.S.C. 1681n, 1681o, and 1692k.

Company response to consumer: Closed with explanation