Consumer complaint received 2025-05-23 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: TX

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Re : Formal Dispute of Inaccurate Account Information & Violations of FCRA * * * * Consumer File Number : * * [ Insert TransUnion File Number, if known ] * * Social Security Number : * * XXXX * * Date of Birth : * * XX/XX/XXXX To Whom It May Concern : I am writing to formally dispute the inaccurate, unverified, and contradictory information associated with the XXXX XXXX account on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX, and CFPB regulations, as TransUnion has violated the following legal obligations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account in Dispute * * * * Account Name : * * XXXX XXXX ( Placed for Collection ) * * Type : * * XXXX XXXX XXXX  Reported Balance : * * {$1800.00} ( Past Due ) * * Account Status : * * Closed ( XX/XX/XXXX ) * * Furnisher Contact : * * XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX -- - # # # * * Specific Violations & Legal Basis * * XXXX. * * False/Misleading Reporting of Closed Account ( FCRA XXXX ( b ) ) * * - The account is listed as " Closed '' but simultaneously reports a " {$1800.00} Amount Past Due '' and " No Info '' for payment status. This violates XXXX ( b ), which requires credit bureaus to follow reasonable procedures to ensure accuracy. A closed account can not logically retain an unresolved past-due balance without formal validation. 

XXXX. * * Failure to Resolve Consumer Disputes ( FCRA XXXX ( a ) ( XXXX ) ) * * - The remarks explicitly state : * * '' Account information disputed by consumer. " * * Despite this flag, TransUnion has not deleted or corrected the unverifiable {$1800.00} debt, violating XXXX ( a ) ( XXXX ) XXXX mandate to remove unverified information. 

XXXX. * * Incomplete/Misleading Collection Reporting ( FCRA XXXX ( a ) ( XXXX ) ) * * - The account is now linked to XXXX XXXX XXXX XXXX XXXX XXXX there is no evidence of lawful debt transfer or validation from the original furnisher ( XXXX XXXX XXXX XXXX This violates XXXX ( a ) ( XXXX ), which requires furnishers to provide complete, accurate data. 

XXXX. * * Failure to Update Account Status ( FCRA XXXX ( c ) ) * * - The account was allegedly closed on XX/XX/XXXX, but continues to report derogatory information without a refreshed status code. This violates XXXX ( c ), which prohibits reporting outdated negative information. 

XXXX. * * Systemic Negligence in Reinvestigations ( FCRA XXXX ( a ) ( XXXX ) ) * * - Prior disputes ( XXXX XXXX XXXX XXXX XXXX ) remain unresolved, and new contradictions ( e.g., " Closed '' vs. " Past Due '' ) demonstrate willful noncompliance with XXXX ( a ) ( XXXX ) XXXX reinvestigation requirements. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Demanded Actions * * - * * Immediate Deletion * * of the XXXX XXXX account from my credit file under FCRA XXXX ( a ) ( XXXX ), as the debt is unverified, contradictory, and violates Metro 2 reporting standards. 
- * * Written Confirmation * * of deletion and an updated credit report sent within XXXX  days. 
- * * Notification to All Third Parties * * who received this data in the past XXXX months, per FCRA XXXX ( d ). 

-- - * * Legal Notice : * * Failure to resolve these violations within XXXX days will compel me to pursue claims under FCRA XXXX ( willful noncompliance : statutory damages up to {$1000.00} + punitive damages ) and XXXX ( negligent noncompliance : actual damages + legal fees ). 

Sincerely, * * XXXX XXXX * * * * Enclosures : * * - Copy of Government-Issued ID - List of Prior Dispute Reference Numbers ( XXXX XXXX XXXX XXXX XXXXXXXX ) * * CC : * * Consumer Financial Protection Bureau XXXX CFPB ) | XXXX  Attorney General -- - * This dispute is submitted via E-Oscar and Metro 2-compliant channels. Legal action will be initiated if violations persist. *

Company response to consumer: Closed with non-monetary relief