Consumer complaint received 2025-01-12 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:
Dear CFPB, I am writing to formally dispute inaccuracies and inconsistencies within my credit reports as maintained by Equifax, XXXX, and XXXX. These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), and I request your intervention to ensure that my rights as a consumer are upheld. 

Below, I have detailed the disputed accounts, the inaccuracies, and the corrective actions requested. 

Disputed Accounts : 1. XXXX XXXX XXXX Inaccuracies : Discrepant balances Payment status inconsistencies FCRA Violation : Section 607 ( b ) ( Accuracy Obligation ), Section 609 and Section 611 ( Verification ). 
Action Requested : I request immediate verification of the balance and payment status. If verification can not be completed, I demand removal of this account. 

2. XXXX XXXXXXXX XXXX XXXX XXXXnaccuracies : Balance exceeds credit limit, creating inaccurate utilization. 
FCRA Violation : Section 609 and Section 607 ( b ). 
Action Requested : Please verify the credit utilization and payment history for accuracy or remove this account from all reports. 

3. XXXX XXXX  Inaccuracies : Payment status inconsistencies FCRA Violation : Section 607 ( b ) and Section 611. 
Action Requested : I demand immediate verification or deletion of this account. 

4. XXXX XXXX Inaccuracies : Varying levels of late payments across bureaus. 
FCRA Violation : Section 609 and Section 607 ( b ). 
Action Requested : Please verify the late payments or remove this account from all credit reports. 

5. XXXX XXXX XXXX : Payment status Missing or inconsistent details in the 2-year payment history across bureaus. 
FCRA Violation : Sections 607 ( b ) and 609. 
Action Requested : Verify the payment history and status for this account. If discrepancies can not be resolved, I demand its removal. 

6. XXXX ( XXXX ) Inaccuracies : Balance : {$9600.00} reported as exceeding the credit limit of {$8400.00}. 
Payment status : Continuous charge-offs reported across all bureaus. 
Derogatory events vary between bureaus. 
FCRA Violation : Sections 605 ( a ) ( 5 ), 607 ( b ), and 609. 
Action Requested : I request verification of the charge-off reporting and utilization accuracy. If verification can not be completed, the account should be removed. 

7. XXXX  Inaccuracies : Payment status Balance : {$26000.00} with utilization exceeding 134 %. 
FCRA Violation : Sections 607 ( b ) and 609 Action Requested : I request verification of the balance and payment status. If the information is unverifiable, I demand the account be removed. 

8. XXXX  XXXX ( Account Ending in XXXX ) Balance : {$1300.00} ( Charged-off, past due ). 
Issues : The account has been reported as charged-off and past due for over 13 months without proper validation of the debt. 
FCRA Violations : Section 611 : Failure to verify the account. 
Section 623 ( a ) : Reporting inaccurate and unverifiable information. 
Action Requested : Remove this account from my credit report due to its unverifiable status. 

9. AFFIRM XXXX ( Account Ending in XXXX ) Balance : {$1200.00} ( Charged-off, past due ). 
Issues : The reported past due amount is inconsistent across bureaus, and the balance remains unverifiable. 
FCRA Violations : Section 607 ( b ) : Inaccurate reporting of the balance and past due amounts. 
Section 623 ( b ) : Failure to verify disputed information. 
Action Requested : Remove this account due to inconsistent reporting. 

10. XXXX  XXXX ( Account Ending in XXXX ) Balance : {$1000.00} ( Charged-off, past due ). 
Issues : Payment status and balance reporting inconsistencies across bureaus. 
FCRA Violations : Section 623 ( a ) ( 1 ) : Inaccurate and unverifiable reporting. 
Action Requested : Remove this account due to its unverifiable discrepancies. 

12. XXXX  XXXX ( Account Ending in XXXX ) Balance : {$2100.00} ( Charged-off, past due ). 
Issues : Disputed charge-off balance and lack of validation. 
FCRA Violations : Section 611 : Failure to verify the debt. 
Section 623 ( a ) : Reporting unverifiable charge-off balances. 
Action Requested : Remove this account for non-compliance with FCRA validation requirements.

Company response to consumer: Closed with non-monetary relief