Consumer complaint received 2025-06-28 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:
Subject : Formal Dispute Inaccurate and Inconsistent XXXX  XXXX Account Reporting by Equifax To Whom It May Concern, I am submitting this formal dispute regarding Equifaxs inaccurate, inconsistent, and misleading reporting of two XXXX XXXX accounts listed in my credit file. The data being reported is not only materially conflicting when compared to the same accounts on XXXX  and XXXX, but it also fails to comply with the federal obligations imposed under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

This erroneous reporting is damaging my credit standing and violates my rights as a consumer under multiple sections of federal law. 

XXXX XXXX Accounts Under Dispute ( Equifax ) Account # 1 Balance Owed : {$1600.00} High Balance : {$1600.00} Credit Limit : {$0.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Last Payment : XX/XX/XXXX Two-Year Payment History : Shows late payments of 30, 60, 90, 120, and 150 days Days Late ( 7-Year History ) : 30:1 | 60:1 | 90:1 | 120:1 | 150:1 Account # 2 Balance Owed : {$470.00} High Balance : {$470.00} Credit Limit : {$0.00} Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Account Status : Closed Payment Status : Collection/Chargeoff Last Payment : XX/XX/XXXX Two-Year Payment History : Identical delinquencies to Account # 1 Days Late ( 7-Year History ) : 30:1 | 60:1 | 90:1 | 120:1 Identified Legal Violations by Equifax 15 U.S. Code 1681e ( b ) Inaccurate and Conflicting Data Equifax reports a credit limit of {$0.00} for both accounts while showing charge-off balances of {$1600.00} and {$470.00}. These inconsistencies contradict XXXX  and XXXX, and fail to reflect accurate account terms. 

15 U.S. Code 1681i Failure to Conduct Proper Reinvestigation I have not received confirmation of any reinvestigation or correction despite prior disputes and the existence of contradictory reporting across all three credit bureaus.

15 U.S. Code 609 ( a ) ( 1 ) ( A ) Failure to Verify with Supporting Documents You have failed to provide any original documentation or application to support the accuracy of the reported data.

15 U.S. Code 1681s-2 Failure to Report Accurately As the data furnisher, XXXX  XXXX is obligated to report consistent, complete, and verifiable information, which Equifax has failed to verify or correct. Truth in Lending Act ( TILA ), 15 U.S.C. 1601 Incomplete and Opaque Credit Data
Equifaxs reporting prevents me from understanding my account obligations, which undermines the intent of TILA to ensure transparency in consumer credit disclosures.

Public Law 91-508, Title VI, 611 Inadequate Reinvestigation Process No evidence has been provided that a legally compliant reinvestigation occurred in response to my prior dispute.

Requested Actions Immediate deletion of both XXXX XXXX accounts from my Equifax credit report due to unverifiable and misleading information. 

Production of original application or signed documentation used to verify these accounts.

Complete reinvestigation summary in compliance with 15 U.S.C. 1681i ( 7 ) explaining how you validated the data currently on file.

Final Notice Should Equifax fail to correct or remove this inaccurate data within the 30-day period required under federal law, I will be forced to escalate this matter to the Identity Theft and FTC ) and may pursue legal remedies under FCRA 616 and 617 for willful noncompliance.

Thank you for your immediate attention to this matter. I expect written confirmation of the actions taken to resolve this issue.

Company response to consumer: Closed with non-monetary relief