Consumer complaint received 2025-10-03 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: NC

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of several charge-off accounts listed on my TransUnion credit file dated XX/XX/XXXX. Under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request an immediate DELETION of these items.

The following accounts contain errors and are reported inaccurately : * XXXX XXXX Account XXXX -Status : Charge Off | Balance : {$1400.00} Inaccuracy : Dates of last payment and charge-off reporting conflict. 

* XXXX XXXX XXXX Account XXXX -Status : Charge Off | Balance : {$760.00} inaccuracy : Payment history and delinquency timeline inconsistent. 

* XXXX XXXX  Account XXXX -Status : Charge Off | Balance : {$910.00} Inaccuracy : Report reflects conflicting dates for last payment and charge-off status. 

* XXXX XXXX XXXX XXXX Account XXXX -Status : Charge Off | Balance : {$950.00} inaccuracy : Payment history does not align with reported charge-off information. 

* XXXX XXXX XXXX Account XXXX -Status : Charge Off | Balance : {$35.00} Inaccuracy : Low balance account reported inaccurately as charge-off, delinquency details inconsistent. 

I previously disputed the above-referenced accounts as inaccurate. I have now received your response indicating the account was verified. However, no documentation or substantive proof was provided to support this verification. As it stands, the reporting remains * * inaccurate, incomplete, and not properly verified * * as required under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i & 1681s-2 * *.

The FCRA requires that furnishers and consumer reporting agencies conduct a * * reasonable investigation * * of disputed information. Simply parroting information already in a furnishers database is not sufficient verification. Courts have confirmed this duty, including : * * * Hinkle v. Midland Credit Mgmt., 827 F.3d 1295 ( 11th Cir. 2016 ) * * holding that a furnisher must do more than rubber stamp its prior reporting ; it must review underlying records to ensure accuracy.

* * * Richardson v. Equifax, 2004 WL 1004647 * * ruling that confirmation without supporting evidence does not constitute meaningful verification.

Because you have not provided : 1. The * * original signed contract or application * *, 2. A * * complete payment history * * including charges, payments, and date of first delinquency, 3. Documentation supporting the * * charge-off status and balance * *, and 4. Evidence of your * * legal authority to furnish this information * *, the account can not be considered properly verified.

I am again demanding that you : * Conduct a * * reasonable reinvestigation * * of this account; * Provide documented evidence supporting the accuracy of the information reported ; and * * * Delete the account * * from my credit file if you can not fully verify it with the above documentation.

Failure to comply may constitute willful noncompliance with the FCRA, subjecting you to liability under * * 15 U.S.C. 1681n & 1681o * *. If this matter is not resolved promptly by removing the inaccurate charge-offs from my credit report, please be advised that I am prepared to pursue legal action. Such litigation could incur significant costs for your organization.

Company response to consumer: Closed with explanation