Consumer complaint received 2024-12-13 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: MI

Complaint narrative:
Upon reviewing my credit reports from XXXX, Equifax, and XXXX, I identified significant discrepancies, inaccuracies, and potential violations of the Fair Credit Reporting Act ( FCRA ), Unfair and Deceptive Acts and Practices ( UDAP ), and the Fair Debt Collection Practices Act ( FDCPA ) by XXXX XXXX XXXX and Equifax, which have caused significant harm to my creditworthiness and financial opportunities. 

Account ending in # XXXX Identified inaccuracies and discrepancies : XXXX. Inconsistent Payment History Across CRAs The payment history reported by Equifax, XXXX, and XXXX contains discrepancies. For example, the XXXX, XXXX, XXXX, and XXXX late payments or XXXX  appear to be reported inconsistently between CRAs, creating conflicting narratives of delinquency timelines. Under FCRA XXXX ( a ) ( XXXX ), furnishers must report accurate, complete, and consistent information. These inconsistencies harm my creditworthiness and suggest a lack of proper verification or diligence in XXXX and XXXX reporting process. 

XXXX XXXX of Account XXXX The account is marked as closed, past due, and written off yet still reflects monthly updates as charged off in violation of FCRA XXXX and XXXX ( XXXX ) ( A ) by misrepresenting the debts legal status. A charge-off means the creditor has acknowledged the debt as uncollectible for accounting purposes. Reporting a past due amount inaccurately implies that payments are still expected or that the account is still in a state of delinquency rather than a charge-off. While I understand Discovers right to report the status of my account each month, the repeated reporting of CO ( XXXX ) month after month, despite the charge-off being a one-time event, has a disproportionately negative impact on my credit score. This continuous reporting inaccurately suggests ongoing delinquency when, in fact, the charge-off occurred only once. Such repetitive reporting creates an impression of recurring negative events, harming my score in a manner that seems excessive and punitive. Under FCRA XXXX, consumer information should be reported in a manner that is both accurate and fair. The current approach is being as an undue hindrance to my credit recovery and access to financial opportunities. 

XXXX. Failure to XXXX a Reasonable Investigation I have filed multiple disputes with XXXX and Equifax in the past regarding these issues, only to receive responses stating that the information has been verified and/or updated without any specific address of the discrepancies. Furthermore, XXXX deemed my most recent disputes as frivolous or irrelevant requiring new evidence to conduct a re-investigation but failed to notify me with specific reasons and supporting documentation within XXXX days, this is a violation of FCRA XXXX ( a ) ( XXXX ). By failing to conduct a reasonable investigation, as required under FCRA XXXX, XXXX and Equifax has demonstrated willful negligence in its responsibility to maintain accurate and complete credit reporting data. The lack of attention to these errors indicates a lack of good faith and suggests intentional noncompliance with federal law. 

XXXX of Disputes Without Corrective Action Despite disputes starting as far back as XX/XX/XXXX, XXXX has repeatedly marked my account as verified without addressing the documented discrepancies. In XX/XX/XXXX, XXXX marked my dispute as DRG ( Dispute Resolved Reported by XXXX ) but continued reporting inaccuracies, further proving noncompliance with FCRA XXXX ( duty to investigate disputes ). Discovers repeated failure to investigate and correct these inaccuracies reflects willful noncompliance, negligence, and bad-faith practices, constituting violations of FCRA, FDCPA, and UDAP. 

Equifax has continued to publish Discovers inaccurate data without conducting a reasonable investigation, violating FCRA XXXX ( b ), which requires consumer reporting agencies ( CRAs ) to ensure maximum possible accuracy. Despite my disputes, Equifax has dismissed my concerns, relying solely on the data provided by XXXX without independent verification, as required under FCRA XXXX. 

FCRA Violations : XXXX violated XXXX and XXXX by reporting inaccurate delinquency, obsolete information, and failing to investigate disputes. They also violated XXXX ( a ) ( XXXX ) ( A by failing to report accurate and consistent information. XXXX and Equifax violated XXXX ( b ) by failing to ensure maximum possible accuracy in my credit report. Discovers repeated failure to address or rectify the inaccuracies after being notified multiple times, as well as the CRAs acceptance of Discovers incomplete or incorrect responses violates XXXX ( b ) ( XXXX ) ( XXXX ). Additionally, both XXXX and XXXX failure to provide the MOV as requested is a violation of FCRA XXXX ( a ) ( XXXX ) and XXXX ( a ) ( XXXX ). Without the MOV, I am unable can not verify the legitimacy of their reinvestigation or determine whether the information was truly verified raising further doubt about the accuracy of the account. The inability to validate their process allows inaccurate information to remain on my credit report, continuing to damage my credit score and financial reputation. 

FDCPA Violations : The reporting of charge-offs month after month by XXXX, as if they are recurring events misrepresents the legal status of the debt, violating FDCPA XXXX ( XXXX ) ( A ). Discovers actions are misleading and deceptive, constituting unfair debt collection practices. The continuous reporting of false information and XXXX failure to verify such data represent unfair and deceptive practices under XXXX XXXX. XXXX. 

Given the documented violations and the impact they have had on my credit and financial opportunities, I am formally requesting an compensation check in the amount of {$12000.00}. This amount reflects both the statutory damages I am entitled to under FCRA XXXX, XXXX, FDCPA XXXX, as well as the actual damages I have suffered due to higher interest rates, denied credit applications, and the emotional distress associated with this ongoing situation. I request that the compensation check be made payable to XXXX XXXX and sent to my address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Please send the check via certified mail to ensure secure delivery. 

In addition to the financial compensation, I request the immediate deletion of this account from all consumer reporting agencies. 

I look forward to your prompt attention to this matter and expect a response within XXXX  days of receipt of this complaint. Failure to comply may result in further legal action to enforce my rights under consumer protection laws. 

I have attached evidence, including credit reports, dispute records, and correspondence, to support my claims.

Company response to consumer: Closed with non-monetary relief