Consumer complaint received 2025-05-19 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: MI

Complaint narrative:
This credit reporting agency has claimed to do a thorough and lawful investigation to verify and validate the accuracy of this account. After their investigation, they have reported this to be verified as accurate. But in the attached photos, you can see that this account is in direct violation of 15 USC 1681 accuracy of reporting. This account is indirect violation of 15 USC 1666B time of payment and this account is indirect violation of the Protection afforded to me by the FCRA as a federally protected consumer. Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account status : closed. This account has been closed and sold to a debt collector. Yet this company is still reporting this balance as active. It should be updated to XXXX. This account has been reported XXXX closed for the last XXXX months yet it has been re-aging this alleged debt. Which is a violation of my lawful rights as a federally protected consumer under title 15 of the US Constitution in the FCRA. This account was opened and furnished as the result of a data beach/identity theft. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.. This account is reported in accurately on the balance present and is not up-to-date. report these late payments please update and remove these late payments from my consumer report .. 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  The previous accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission and I do not give the following accounts or companies any permission to report these late payments please update and remove these late payments from my consumer report. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. I have the right to dispute a lawful validation of debt pursuant to 12 CFR 1006.34 Notice for validation of debts under the FDCPA. Full name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following Late payments are in violation of my rights as a federally protected consumer per the FCRA Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be reverse and marked as unknown or paid as agreed and this account updated immediately Per 15 usc 1681a 2 a ( I ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be must be reversed and marked as unknown or paid as agreed on my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and must be reversed and marked as unknown or paid as agreed. Immediately 15 usc 1681a. I am calling attention to the violation of 15 USC 1666B timing of payments Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account status : closed Date opened XX/XX/XXXX Late payments This account is in violation of 15 U.S.C. Section 1681e accuracy of reporting. This account has been listed as 120 days late for over 60 days. I have disputed the accuracy of this account and nothing has been done as a result of the dispute. 15 U.S. Code 1666 - Correction of billing errors states that this error and reporting is unlawful and this account must be removed from my report immediately. Late payments these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) XXXX a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten verbal and not verbal XXXX This XXXX account has been sold to a debt collector in which I have never given any permission to contact me. This debt collector has attempted to contact and harass me over this alleged debt. And I demand them both to stop and end communication with me via mail consumer reporting agencies and any other form of communication. The current reporter agency has said I have not provided them any new information, but I continuously provide accurate and current information. They have simply refused to investigate this inaccuracy. This account must be removed, and this credit reporting agency must be reprimanded for their intentional actions that are indirect violation of my consumer rights per the FCRA.

Company response to consumer: Closed with non-monetary relief