Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
To Whom It May Concern I am submitting this formal complaint regarding inaccurate, outdated, and unlawfully reported information across multiple accounts reflected on my consumer credit reports These accounts have caused me significant emotional and financial distress and have negatively impacted my ability to access basic credit services employment opportunities and housing These accounts are either being reported inaccurately contain wrong balances dates or statuses or have been reported without proper validation and in violation of federal consumer protection laws including the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 et seq and the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 et seq Despite my previous disputes and direct efforts to resolve these matters with the data furnishers and credit reporting agencies the following accounts remain incorrectly reported or unresolved and must be investigated and removed from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX  : {$1500.00} Date Opened : XX/XX/XXXX Charge Off Issue : This credit line was also charged off, indicating serious delinquency. Charge offs reduce your creditworthiness and may raise red flags for future lenders. They also put you at risk of collections, lawsuits, and wage garnishments. Law : The FDCPA limits the actions debt collectors may take when pursuing such charged-off accounts, including prohibiting false threats or contacting you at inconvenient times. The statute of limitations for debt collection varies by state but generally ranges between XXXX years, after which you may have legal protections against collection suits. Story : Initially managed responsibly, this account fell into delinquency during a period of financial hardship. The charge off reflects the culmination of missed payments, but you have since sought guidance and are committed to resolving or settling outstanding obligations within the bounds of consumer protection laws. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} Date Opened : XX/XX/XXXX Collection Issue : A recent collection indicating a recent failure to fulfill payment obligations. New collections can have immediate negative impact on credit scores and increase debt stress. Law : The FDCPA protections apply here, as collections must honor validation requests, and cease contact upon written notice. Additionally, some states offer further protections on collections including limits on interest or fees. Story : After a challenging period marked by unexpected expenses, this account fell into collection with XXXX XXXX. Recognizing the impact, you have engaged legal and credit counseling resources to address the account and seek a resolution plan that complies with legal standards. 

XXXX XXXX XXXX XXXX XXXX XXXX High Balance : -- Date Opened : XX/XX/XXXX Collection Issue : An ongoing collection account without a listed balance, possibly a dispute or account under review, but still negatively affects credit. Law : You may request validation of the debt, and per FCRA, inaccurate or unverifiable debts must be removed from credit reports. Story : This account reflects unresolved issues related to prior debts with XXXX XXXX. You are actively pursuing validation and dispute procedures to clarify the debt obligation and seek accurate reporting. 

XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$100.00} Date Opened : XX/XX/XXXX Charge Off Issue : A longstanding charge off with a small balance, remaining as a negative mark over an extended period. Such charge offs continue to affect credit for up to XXXX years or more depending on reporting. Law : The FDCPA and FCRA still provide protections for older debts ; you can negotiate settlements or dispute inaccuracies. Story : While the balance is relatively minor, the unresolved charge off has persisted. Through recent efforts, you have engaged XXXX  XXXX XXXX XXXX for potential settlement options to clear the mark and restore credit integrity. 

XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiry Issue : Recent inquiry indicating active credit pursuit. Law : Must conform to the legal framework protecting credit reporting integrity. Story : Reflects ongoing effort to secure credit and rebuild financial stability. 

XXXX XXXX XX/XX/XXXX Inquiry Issue : Duplicate or related credit inquiry from XXXX, following FCRA compliance. Story : Routine inquiry aligned with credit monitoring and applications previously described. 

I demand that a full investigation be conducted into all of these accounts and that each furnisher be required to provide proper documentation and validation within the timeline allowed by law If they are unable to do so these accounts must be permanently deleted from my credit reports per FCRA and FDCPA guidelines I am requesting full accountability and compliance with federal law as my rights under the FCRA and FDCPA have been continuously violated by these furnishers and the consumer reporting agencies responsible for reporting them

Company response to consumer: Closed with non-monetary relief