Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
To : Consumer Financial Protection Bureau ( CFPB ) ConsumerFinance.gov Subject : Formal Complaint for FCRA and FDCPA Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX and XXXX XXXX XXXX for multiple, serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and CFPB Regulations, regarding a debt account that is being inaccurately and unlawfully reported to the credit bureaus. 
Below is the specific account information : Creditor : XXXX XXXX XXXX / XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Reported : {$1900.00} Account Number : XXXX Date Opened ( Reported ) : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Closed ( Reported ) : XX/XX/XXXX CRAs Reporting : TransUnion and Equifax ________________________________________ I. FCRA Violations Identified 1. Illegal Re-aging of the Account ( FCRA 623 ( a ) ( 5 ) ) The DOFD is XX/XX/XXXX, which means the account should fall off no later than XX/XX/XXXX. 
TransUnion reports a removal date of XX/XX/XXXX, whereas the account continues showing activity through XXXX, which constitutes unlawful re-aging intended to extend reporting time. 
2. Reporting False or Inconsistent Information ( FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ) ) Examples include : Marking the account as both Open Account and Closed. 
Reporting collection status, while simultaneously categorizing it as an open factoring account. 
Showing updated activity dates in XXXX, despite no payment, contact, or legitimate activity. 
This clearly violates the duty of accuracy. 
3. Failure to Conduct a Reasonable Investigation During Dispute ( FCRA 611 ) The account continues reporting inaccurate data despite my dispute, showing no reasonable reinvestigation was conducted. 
________________________________________ II. FDCPA Violations Identified 1. False, Deceptive, or Misleading Representations ( FDCPA 807 ) The debt buyer reports the account as : Open Account Factoring Company Account Debt Buyer Account Closed Collection These contradictory labels misrepresent the nature, legal status, and character of the debt.

2. Failure to Validate the Debt While Continuing to Report ( FDCPA 809 ( b ) ) XXXX  continued reporting negative information despite failing to properly validate the debt after dispute.

________________________________________ III. Requested Action from the CFPB I respectfully request that the CFPB : 1. Investigate XXXX XXXX XXXX and XXXX XXXX XXXX for the violations listed above. 
2. Require full compliance with FCRA and FDCPA.

3. Compel the immediate removal of this account from all credit bureaus due to repeated unlawful reporting.

4. Impose penalties and corrective action as appropriate.

________________________________________ Thank you for your attention. I request written confirmation once the investigation begins. 
Sincerely,

Company response to consumer: Closed with non-monetary relief