Consumer complaint received 2025-11-26 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:
Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Re : Formal Complaint Inaccurate, Unverified, and Non-Compliant Reporting by XXXX XXXX XXXX Account No. : XXXX To Whom It May Concern, I am filing a formal complaint regarding XXXX XXXX XXXX for reporting inaccurate, inconsistent, and unverified information across all XX/XX/XXXX credit bureaus. The account appears under the same number ( XXXX ) but contains different dates, statuses, and inconsistent reporting, violating the FCRA, FDCPA, and RegulationXX/XX/XXXX 

Errors by Credit Bureau XXXX. TRANSUNION Balance : {$1000.00} Date Opened : XX/XX/XXXX BUT Date of First Delinquency : XX/XX/XXXX, which is XX/XX/XXXX months BEFORE the account was opened. 

Status : >Collection< and Completed investigation consumer disagreed. 

Loan Type : Factoring Company Account ( commonly misreported and often inaccurate ). 

FCRA Violations XXXX ( b ) Failure to report accurate information. 

XXXX Incorrect reinvestigation ; inaccurate chronology left uncorrected. 

XXXX ( a ) Furnisher reporting impossible and false data. 

Regulation XX/XX/XXXXViolations XXXX ( a ) Furnishing unsubstantiated information. 

XXXX XXXX itemized, original validation information provided. 

XXXX. EXPERIAN Reports the account as under dispute, but continues publishing it. 

Balance : {$1000.00} Date Opened : XX/XX/XXXX, status updated XX/XX/XXXX ( inconsistent chronology ). 

Original balance : {$1000.00} Still reporting as an active collection without any validation. 

Violations FCRA XXXX ( b ) Furnisher failed to provide validation after notice of dispute. 

FCRA XXXX ( b ) Reporting unverified debt. 

RegulationXX/XX/XXXX XXXX ( c ) Required validation information not supplied. 

XXXX. EQUIFAX XXXX : {$1000.00} Reports : Past Due {$1000.00} and Account Closed simultaneously ( contradictory ). 

Date Opened : XX/XX/XXXX, but Date of First Delinquency : XX/XX/XXXX ( chronologically impossible ). 

Comments : Consumer Disputes Reinvestigation In Progress. 

Violations FCRA XXXX ( b ) Failure to assure maximum accuracy. 

FCRA XXXX Ongoing reporting while reinvestigation is incomplete. 

XXXX XXXX XXXX ( a ) Furnishing disputed data without lawful substantiation. 

FDCPA XXXX ( b ) No validation provided before continued collection activity. 

Core Legal Issue Across all XX/XX/XXXX bureaus, the account shows : Impossible chronological dates No proof of ownership, assignment, or original creditor documentation Inconsistent status reporting Continued reporting while under dispute ( illegal under Regulation XX/XX/XXXX ) This means the furnisher is reporting false, inaccurate, unverified, and unsubstantiated information, violating multiple federal laws. 

Requested Action I request that the CFPB require XXXX XXXX XXXX to : Provide complete validation per XXXX XXXX XXXX, including original contracts and legal chain of assignment ; OR Immediately delete all reporting of this account from TransUnion, Experian, and Equifax under : FCRA XXXX FCRA XXXX ( b ) FCRA XXXX ( a ) FDCPA XXXX ( b ) Regulation F XXXX ( a ), XXXX Continued reporting of an unverified, inconsistent, and chronologically impossible account constitutes willful violation and is causing ongoing credit harm. 

I request written confirmation once this account is removed from all XX/XX/XXXXbureaus. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation