Consumer complaint received 2025-05-31 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: LA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several inaccurate, misleading, and unlawful entries reported on my credit report by various furnishers and debt collectors. As a consumer protected under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am exercising my rights to ensure that my credit report reflects only accurate and verified information. 
Below is a detailed list of the accounts in question, along with the issues identified, partial account numbers, and applicable legal references : XXXX. XXXX Account # : XXXX XXXX XXXX XXXX XXXX Issue : Repeated reporting of late payments inaccurately since XXXX, despite no valid record of such delinquencies. 
Legal Reference : FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must report accurate information. 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Late payments are reported inconsistently without prior notice or validation. 
Legal Reference : FCRA 1681i ( a ) Right to reinvestigation of disputed information. 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Account shows late payments despite having a {$0.00} balance, indicating outdated or incorrect reporting. 
Legal Reference : FCRA 1681c ( a ) Requirement to remove outdated negative information. 
XXXX. XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Account listed in collection status without proper validation or debt verification notices. 
Legal Reference : FDCPA 809 ( 15 U.S.C 1692g ) Consumer 's right to debt validation. 
XXXX. XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Reporting late payments after account closure without supporting documentation. 
Legal Reference : FCRA 1681s-2 ( b ) Obligation to investigate disputed information. 
XXXX. XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Late payments reported without valid cause or supporting evidence. 
Legal Reference : FCRA 1681e ( b ) Duty to maintain procedures ensuring maximum possible accuracy. 
XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Account reported as in collection without prior notification or verification. 
Legal Reference : FDCPA 809 Requirement to provide debt verification upon request. 
XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX. ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Account reported as in collection without valid contract or authorization. 
Legal Reference : FDCPA 807 Prohibition against false or misleading representations. 
XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Duplicate collection account reported, violating accuracy requirements. 
Legal Reference : FCRA 1681i ( a ) ( 5 ) Obligation to delete or correct errors after reinvestigation. 
XXXX. XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Duplicate reporting of the same collection account under multiple tradelines. 
Legal Reference : FCRA 1681s-2 ( a ) Furnishers must report complete and accurate information. 
XXXX. XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Issue : Account marked as charge-off without prior notice or proper collection attempts. 
Legal Reference : FCRA 1681e ( b ) Duty to maintain reasonable procedures to ensure accuracy. 
XXXX. XXXX ( Original Creditor : XXXX  ) Account # : XXXX Issue : Debt reported as in collection with a future account open date ( XX/XX/XXXX ), indicating fraudulent or erroneous reporting. 
Legal Reference : FCRA 1681s-2 ( a ) ( 1 ) ( B ) Obligation to avoid reporting information known to be inaccurate. 
XXXX. XXXX XXXX XXXX Account # : XXXX ( Duplicate ) Issue : The same collection account reported multiple times, creating duplicate entries. 
Legal Reference : FCRA 1681i ( a ) ( 5 ) Failure to correct duplicate entries after dispute. 
Summary of Violations : Reporting inaccurate late payments and charge-offs. 
Duplicate and future-dated account entries. 
Failure to validate debts as required under FDCPA. 
Failure to conduct reasonable investigations following disputes. 
Violations of FCRA sections 1681s-2, 1681e ( b ), 1681i and FDCPA sections 807, 809. 
Requested Resolution : I respectfully request the CFPB to : Investigate these inaccurate and unlawful reports immediately. 
Require all furnishers and debt collectors to remove or correct inaccurate, duplicate, or outdated information. 
Ensure that all collection accounts are validated properly according to FDCPA requirements. 
Hold the responsible parties accountable for violating consumer protection laws. 
I have previously submitted disputes to the relevant credit bureaus and creditors but have not received satisfactory resolutions. Therefore, I urge the CFPB to intervene promptly.

Company response to consumer: Closed with non-monetary relief