Consumer complaint received 2025-04-05 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:
Re : Formal Dispute & Request to Block Fraudulent XXXX XXXX Account ( Account # XXXX ) ** I am writing to dispute fraudulent information on my credit report under 15 U.S.C . 1681c-2, specifically regarding a XXXX XXXX entry . I never authorized the sharing of my personal, nonpublic information for this account. Moreover, the account information reported does not align across the credit bureausTransUnion shows it as Closed/Chargeoff, XXXX indicates a Collection/Chargeoff, and Equifax lists it as Open/Late 120 Days, which is contradictory and violates the Fair Credit Reporting Act ( FCRA ). 

ACCOUNT IN DISPUTE XXXX XXXX Account # : XXXX Balance : {$810.00} XXXX Status : Closed / Collection/Chargeoff Experian Status : Collection/Chargeoff Equifax Status : Open / Late 120 Days Since these details do not match among the different bureaus, the reported data is inaccurate and unverifiable. According to the FCRA, any information that is inaccurate, incomplete, or unverifiable must be removed from a consumers credit report. 

LEGAL VIOLATIONS IDENTIFIED 15 U.S.C. 1681c-2 Requires credit reporting agencies to block and remove any fraudulent information within four ( 4 ) business days upon receipt of an identity theft report or sufficient evidence.

FCRA 611 ( a ) ( 1 ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ] Mandates a reasonable investigation of disputed items. If the information can not be verified, it must be removed.

FCRA 611 ( a ) ( 5 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] Stipulates that any entry found to be inaccurate, incomplete, or unverifiable must be deleted or corrected without delay.

FCRA 623 ( a ) ( 1 ), 623 ( a ) ( 3 ) [ 15 U.S.C. 1681s-2 ( a ) ] Obligates furnishers ( in this case, XXXX XXXX or its agent ) to accurately report and update information. Reporting conflicting statuses across bureaus indicates a violation. 

FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] Imposes a duty on credit reporting agencies to employ procedures ensuring maximum possible accuracy. Discrepancies among bureaus show a clear lack of compliance. 

FDCPA 807 & 809 [ 15 U.S.C. 1692e & 1692g ] ( if XXXX or its agent is acting as a debt collector ) A debt collector must provide a validation notice and cease further collection efforts until the debt is verified if disputed. 

ACTIONS REQUESTED Block and remove this XXXX XXXX account from my Equifax credit report immediately, given the lack of authorization to share my data and the contradictory reporting across bureaus. 

Provide written confirmation that my credit report no longer includes this flawed and unverifiable entry. 

If XXXX XXXX maintains the debt is valid, they must produce substantial proofsuch as contractual agreementsshowing I consented to share my personal information. 

CONCLUSION Continued reporting of this inaccurate and unverified account violates federal law and harms my creditworthiness. If no prompt resolution is provided, I will escalate the matter with formal complaints to other legal avenues for damages. 

Thank you for your immediate attention to this dispute. If you require any further information, please contact me at the address or phone number below.

Company response to consumer: Closed with explanation