Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
write a dispute letter XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DISPUTE LETTER FCRA XXXX XXXX XXXX VIOLATIONS Date : XX/XX/year> Sent Via Certified Mail Return Receipt Requested To : XXXX XXXX XXXX  ( XXXX XXXX Compliance / Credit Reporting Department XXXX. XXXX XXXX XXXX, OH XXXX Re : Direct Dispute of Inaccurate Credit Reporting Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Reported Balance : {$340.00} Dear Compliance Officer, This letter constitutes a direct dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 8 ) regarding the inaccurate and noncompliant credit reporting of the above-referenced account.

I. Inaccurate Charge-Off Reporting You are reporting this account as a charge-off ( CO ) while continuing to report monthly charge-off statuses across multiple reporting periods. Under the XXXX XXXX Credit Reporting Resource Guide, a charge-off is a single reporting event. Continued monthly CO reporting creates the false appearance of ongoing delinquency on a closed account and is prohibited. 

This violates : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) reporting information known or should be known to be inaccurate 15 U.S.C. 1681e ( b ) failure to assure maximum possible accuracy II. Illegal Re-Aging of Delinquency The payment history reflects escalating delinquencies followed by a charge-off, yet the account continues to update monthly without proper closure. Additionally, the reported delinquency date conflicts with earlier documented delinquencies, resulting in unlawful re-aging.

This violates : 15 U.S.C. 1681c ( a ) improper extension of the reporting period 15 U.S.C. 1681s-2 ( a ) ( 5 ) inaccurate reporting of the Date of First Delinquency ( DOFD ) III. Balance and Past-Due Inconsistencies The account reflects a charge-off amount of {$340.00} while simultaneously reporting an amount past due of {$340.00}. XXXX XXXX requires internal consistency between the charge-off amount, current balance, and past-due balance. Reporting the same amount in multiple fields is misleading and inaccurate. 

This violates : 15 U.S.C. 1681e ( b ) inaccurate and misleading balance reporting IV. Demand for Investigation and Correction Pursuant to 15 U.S.C. 1681s-2 ( b ), you are required to conduct a reasonable investigation and correct or delete any information that can not be verified as accurate and XXXX XXXX  compliant. 

DEMAND FOR RELIEF Within 30 days of receipt of this letter, I demand that you : Delete this account from all consumer reporting agencies, or Provide documentary proof of XXXX XXXXcompliant reporting, including : The original Date of First Delinquency The actual charge-off date A full payment history ledger Proof of internal audit showing XXXX XXXX compliance Failure to correct or delete this inaccurate reporting will result in escalation, including complaints to the CFPB, State Attorney General, and pursuit of legal remedies under 15 U.S.C. 1681n and 1681o. 

This letter is sent in good faith to resolve this matter without litigation. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief