Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX Equifax P.O. XXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Complaint Regarding XXXX  and XXXX - Violations of FCRA ( XXXX U.S.C. XXXX ), TILA ( XXXX XXXX. XXXX ) Dear Consumer Financial Protection Bureau, I am filing this detailed complaint regarding serious violations of my consumer rights under the Fair Credit Reporting Act ( XXXX  ) and the Truth in Lending Act ( XXXX  ) by TransUnion and the following furnishers : XXXX. XXXX  XXXX ( Accounts ending XXXX and XXXX ) Error : Both accounts are marked as " Charge-off '' with late payments ( XXXX days ) leading into charge-off status. 

Violation : XXXX U.S.C. XXXX ( b ) : Failure to report maximum possible accuracy there are inconsistencies in dates of first delinquency, last payment, and date closed. 

XXXX U.S.C. XXXX : Late payments were posted improperly without reflecting proper billing grace periods. 

Correction Requested : Verify and correct reporting, or delete if unable to verify. 

XXXX. XXXX  XXXX BANK ( Accounts ending XXXX and XXXX ) Error : Account XXXX shows a Charge-off but payment history reflects inconsistencies ( i.e., periods of " OK '' after recorded delinquencies and charge-offs ). 

Account XXXX reflects Account Paid in Full was a Charge-off, but is still reported adversely without clarification. 

Violation : XXXX U.S.C. XXXX ( b ) : Inaccurate payment status reporting ; contradicting charge-off settlement. 

XXXX U.S.C. XXXX : Failure to reinvestigate prior dispute regarding settled status. 

Correction Requested : Update these accounts to reflect correct settled status without derogatory notations or delete. 

XXXX XXXX XXXX XXXX ( XXXX XXXX Insurance Account ) Error : Collection account placed for {$99.00} no validation of debt provided after prior dispute ; duplicate balances appear questionable. 

Violation : XXXX U.S.C. XXXX : Failure to properly investigate disputed collection. 

XXXX U.S.C. XXXX ( b ) : Reporting an unverified collection without proper validation. 

Correction Requested : Delete or provide full chain of custody, validation of original debt. 

XXXX. XXXX XXXX COLLECTIONS ( XXXX XXXX XXXX Accounts XXXX ) Error : XXXX separate collections ( {$760.00} and {$280.00} ) for the same creditor ( XXXX XXXX XXXX ) appear duplicative. 

Violation : XXXX U.S.C. XXXX ( b ) : Duplicate collections inflate debt obligations improperly. 

XXXX U.S.C. XXXX : Failure to resolve duplicative reporting after previous disputes. 

Correction Requested : Remove duplicate accounts immediately. 

XXXX. XXXX XXXX XXXX ( XXXX Credit Card Account ) Error : Collection amount ( {$370.00} ) listed without sufficient information validating balance origin. 

Violation : XXXX U.S.C. XXXX : No proper dispute response received verifying the debt. 

XXXX U.S.C. XXXX ( b ) : Inaccurate or unverifiable data reported. 

Correction Requested : Remove unless complete validation is provided. 

XXXX. XXXX XXXX XXXX XXXX ( XXXX XXXX Bank Account ) Error : Collection reported for {$490.00} without any written validation provided. 

Account lacks original charge-off dates or original creditor payment breakdown. 

Violation : XXXX U.S.C. XXXX : Disputed ; no reasonable investigation. 

XXXX U.S.C. XXXX ( b ) : Incomplete reporting. 

Correction Requested : Delete unless full documentation proving accuracy is submitted. 

XXXX. XXXX  XXXX  SERVICES ( XXXX XXXX XXXX XXXX Collection ) Error : Collection for {$100.00} lacks clear ownership records ( was this account purchased? Transferred? ). 

Violation : XXXX U.S.C. XXXX ( b ) : Unclear and incomplete collection reporting. 

Correction Requested : Verify full chain of title ; otherwise, remove. 

XXXX. XX/XX/XXXX CREDIT CARD Error : Paid account closed in XXXX still shows as " XXXX days past due '' without properly updating after full payment. 

Violation : XXXX U.S.C. XXXX : Failure to update payment status. 

XXXX U.S.C. XXXX ( b ) : Inaccurate reporting post-closure. 

Correction Requested : Update to show " Paid in Full '' and remove derogatory language. 

XXXX. HARD INQUIRIES Error : Hard inquiries are present but I did not authorize several pulls during XXXX. 

Violation : XXXX U.S.C. XXXX : Permissible purpose required to obtain a consumer report. 

Correction Requested : Remove all inquiries that lack documented consumer authorization. 

XXXX Rights Cited : XXXX U.S.C. XXXX ( b ) : Maximum accuracy of information. 

XXXX XXXX. XXXX : Duties of consumer reporting agencies when information is disputed. 

XXXX XXXX. XXXX : Credit billing grace periods for late payments. 

XXXX XXXX. XXXX : Limitations on access to consumer reports. 

Attachments : XXXX of my XXXX  report ( highlighted ) Dispute letters ( if previously sent ) I demand immediate investigation, correction, or deletion of the erroneous items listed above to comply with federal law. 

Thank you for your prompt attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation