Consumer complaint received 2025-04-22 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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), XXXX  Attorney General XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Final Demand for Immediate Correction of Fraudulent Reporting, FCRA Violations, and Permanent Deletion of Inaccurate Accounts XXXX XXXX  To Whom It May Concern : Under the XXXX XXXX Fair Credit Reporting Act ( 15 U.S.C. 1681i ) XXXX XXXX XXXX XXXX  Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I demand the immediate correction of XXXX XXXX fraudulent, deceptive, and unverified information XXXX XXXX  on my credit reports. For over a decade, Equifax, XXXX, and XXXX  have violated federal law by failing to investigate disputes, allowing false data to persist, and misrepresenting creditors. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Legal Violations XXXX XXXX XXXX XXXX XXXX FDCPA 1692e XXXX XXXX : Debt collectors ( e.g., XXXX XXXX XXXX ) falsely claimed to be the * * original creditor * *, a deceptive practice. 
2. * * FCRA 1681e ( b ) * * : Credit bureaus failed to maintain reasonable procedures to ensure accuracy, resulting in : - Fraudulent accounts ( e.g., XXXX XXXX, XXXX XXXX XXXX ). 
- * * False late payments * * ( e.g., XXXX XXXX, XXXXXXXX XXXX XXXX ) despite * * 100 % on-time payment history * *. 
- Inconsistent account statuses ( e.g., XXXX XXXX, XXXX closed in XXXX but inaccurately reported ). 
XXXX. * * XXXX XXXX Noncompliance * * : - Missing original creditor details ( e.g., XXXX XXXX XXXX ). 
- Lack of debt validation. 
- * * Inaccurate payment histories * * ( e.g., XXXX XXXX  falsely reported as delinquent ). 

XXXX XXXX XXXX  # # * * Disputed Accounts & Demands XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Fraudulent Creditor Misrepresentation * * - * * XXXX XXXX XXXX * * : Listed as original creditor ( violates FDCPA XXXX ( XXXX ) ( A ) ). 
- * * XXXX XXXX * * ( Account # XXXX ) : Falsely reported as Collection/Charge-Off with a {$1500.00} balance. * * XXXX XXXX * * : Closed in XXXX with {$0.00} balance ; * * 100 % on-time payments * *. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. Payment History Errors * * - * * XXXXXXXX XXXX XXXX XXXX XXXX : Falsely reports missed payments. * * XXXX XXXX * * : * * 100 % on-time payments * *. 
- * * XXXX XXXX  * * : Inaccurately lists missed payments. * * XXXX XXXX * * : * * 100 % on-time payments * *. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Closed XX/XX/XXXX, with * * 100 % on-time payments * *. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inconsistent Account Statuses XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX  : Closed in XXXX but lacks uniform reporting across bureaus. * * XXXX XXXX * * : * * 100 % on-time payments * *. 
- XXXX XXXX XXXX XXXX XXXX XXXX : Inactive account with {$0.00} balance misreported as active. 

-- XXXX XXXX XXXX XXXX XXXX XXXX Demanded Actions * * XXXX. * * Delete All Fraudulent/Unverified Accounts * * : - XXXX XXXX XXXX ( {$580.00} ). 
- XXXX XXXX ( {$1500.00} ). 
- XXXX XXXX ( {$0.00} ). 

XXXX. * * Update All Accounts to Paid as Agreed * * : - Correct payment histories to reflect * * 100 % on-time payments * * for * * ALL ACCOUNTS * *, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

XXXX. * * Standardize Account Statuses * * : - Remove discrepancies ( e.g., XXXX XXXX closure date ). 

XXXX. * * XXXX XXXX Audits * * : - Investigate XXXX XXXX compliance failures ( e.g., missing original creditor data for XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Legal Notice * * Failure to resolve these violations by * * XX/XX/XXXX * * will result in : - Lawsuits against Equifax, XXXX, and XXXX  for * * willful FCRA violations * * ( up to {$3500.00} per violation ). 
- Complaints to the * * CFPB * *, * * FTC * *, and * * Texas Attorney General * * for : - FDCPA violations ( 15 U.S.C. 1692e ).

- UDAAP violations ( 12 U.S.C. 5531 ).

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attachments * * - Copy of government-issued ID.

- Proof of address ( utility bill ). 
- Prior dispute records. 

* * Confirmation * * : Redact my full SSN ; use XXXX XXXX XXXX XXXX XXXX  for identification. 

Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with non-monetary relief