Consumer complaint received 2025-05-16 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: OH

Complaint narrative:
To Whom It May Concern, I am formally submitting this complaint against XXXX  for multiple violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and federal identity theft and privacy laws. Despite previous disputes, XXXX  has failed to correct or remove inaccurate, unverifiable, outdated, and potentially fraudulent information from my credit report. 

Furthermore, I have reason to believe that XXXX  has allowed my personal information to be compromised and misused by third parties without proper verificationviolating my privacy and federal identity theft protections. I am escalating this dispute and attaching an FTC Identity Theft Report to document these serious concerns. 

Summary of Violations 1. Misreporting Charge-Offs as Debt Under IRS 1099-C guidelines, canceled debt reported as charge-offs should be treated as incomenot open, collectible debts.

Violation : FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 and IRS 1099-C guidelines.

2. Failure to Mark Disputed Accounts as In Dispute Credit bureaus are required to flag disputed accounts clearly. XXXX has failed to comply.

Violation : 15 U.S.C. 1681s-2 ( a ) ( 3 ) 3. Illegal Re-Aging of Accounts Outdated and previously disputed accounts XXXX have been illegally re-aged to appear more recent. 
Violation : 15 U.S.C. 1681c 4. Failure to Validate Debts I never received full and proper debt validation from furnishers after requesting it.

Violation : FDCPA 809, 15 U.S.C. 1692g 5. Identity Theft and Privacy Violations Experian failed to prevent unauthorized access and fraudulent account associations.

Violations Include : 18 U.S.C. 1028 Identity Fraud 18 U.S.C. 1029 Fraudulent Access Devices 15 U.S.C. 1681n, 1681o Civil Liability under FCRA Gramm-Leach-Bliley Act ( 15 U.S.C. 68016809 ) Accounts I Am Disputing ( Due to Inaccuracy, Fraud, or Legal Non-Compliance ) 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized by me, and their presence violates my rights under the FCRA and GLBA privacy provisions.

Demand for Immediate Action : I am requesting the immediate deletion of all the accounts and inquiries listed above from my Experian credit report. These items are either inaccurate, unverifiable, outdated, or legally in violation of federal consumer protection statutes.

I demand a reinvestigation pursuant to 15 U.S.C. 1681i and request that Experian provide me with the results of the investigation within 30 days, as mandated by law. Failure to comply will result in complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and possible legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief