Consumer complaint received 2025-11-25 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: TN

Complaint narrative:
Re : Formal Complaint FCRA / FDCPA / XXXX Violations Request for Deletion & Corrective Action To Whom It May Concern : I am filing this complaint regarding multiple furnishers and credit reporting agencies who are reporting inaccurate, unverifiable, incomplete, contradictory, and XXXXcompliant information regarding the accounts listed below. These accounts violate the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1681, and established case law including XXXX XXXX TransUnion, XXXX XXXX Experian, and XXXX XXXX Equifax. 

I am requesting a full investigation, deletion of all inaccurate reporting, and confirmation of corrective action. 

Below is the complete violation breakdown for ALL derogatory accounts found in the uploaded report, including : XXXX. XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} Violations : Conflicting statuses across bureaus ( open/closed ) Wrong portfolio type ( Factoring vs Collection ) Missing DOFD Missing payment history while reporting charge-off Inconsistent dates ( opened/reported/activity ) Incorrect balance reporting FCRA Violations : 1681e ( b ), 1681i, 623 ( a ) ( 1 ), 623 ( a ) ( 5 ) FDCPA Violations : 807 ( 2 ) ( A ), 807 ( 8 ), 809 XXXX Violations : Missing DOFD, wrong compliance code, illegal late code Case Law : XXXX XXXX TransUnion ; XXXX XXXX Experian- XXXX. XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$840.00} Violations : 120 days late reported on a collection ( illegal ) Missing DOFD Different statuses across bureaus No payment history FCRA Violations : 623 ( a ) ( 1 ), 1681e ( b ) FDCPA Violations : 807, 809 XXXX Violations : Late codes on collections prohibited Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX {$510.00} Violations : TU shows not disputed while EX shows disputed Mixed open and closed status Missing DOFD Missing payment history FCRA Violations : 1681s-2 ( a ), 607 ( b ) FDCPA : 807 XXXX : Missing DOFD & compliance code Case Law : XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Account # XXXX * * * {$610.00} Violations : Late 120 Days on collection ( illegal ) Missing DOFD Conflicting dates Missing payment history FCRA Violations : 623 ( a ) ( 5 ), 1681c XXXX : No late payments allowed on collections Case Law : XXXX XXXX XXXX & XXXX ; XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$110.00} Violations : Missing DOFD No payment history Incorrect balance structure Placed for collection with no validation FCRA : 623 ( a ) ( 1 ) ; FDCPA : 809 XXXX : Missing DOFD and status code XXXX. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX {$2000.00} Violations : Account is obsolete ( older than 7 years ) Should be purged under FCRA 1681c Missing DOFD Conflicting reporting XXXX : DOFD required Case Law : XXXX XXXX Experian XXXX. XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$150.00} Violations : Reported as secured card, collection, closed, and charge-off Incorrect portfolio type Missing DOFD Payment history contradicts status FCRA : 1681e ( b ), 1681i FDCPA : 807 XXXX : Wrong status coding & missing DOFD XXXX. XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$140.00} Violations : Reported as secured card ( false ) Missing DOFD No payment history but reporting charge-off Contradicting statuses FCRA : 623 ( a ) ( 5 ), 1681e ( b ) FDCPA : 807 ( 2 ) ( A ) XXXX : Wrong portfolio ; missing DOFD Case Law : XXXX XXXX XXXX & XXXX ; TOTAL VIOLATION AMOUNT : {$690.00} + {$840.00} + {$510.00} + {$610.00} + {$110.00} + {$2000.00} + {$150.00} + {$140.00} = {$5100.00}

Company response to consumer: Closed with non-monetary relief