Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Ct XXXX, IL XXXX SSN : * -- XXXX XXXX : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Subject : Formal Dispute Inaccurate, Misleading, and Unverifiable Information on My Equifax Credit Report Dear Equifax Dispute Department, This is a formal dispute submitted under the Fair Credit Reporting Act ( FCRA 611 and 609 ). I am disputing multiple accounts on my Equifax credit report due to inaccurate, incomplete, and unverifiable reporting. These errors are damaging to my credit profile and must be corrected or removed. 

Below is a list of the accounts that I demand be immediately reinvestigated, validated, or deleted if they can not be verified with full accuracy and compliance. 

XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conflicting open dates and last activity across bureaus Charge-off re-aging across months No evidence of balance validation or proper documentation Requesting : Full identity and contact details of the individual who verified this account. 
XXXX CARD Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Continuous charge-offs long after initial charge-off event No payment history shown Inconsistent reporting dates Requesting : Name, title, department, and phone/email of the person who verified. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Over 24 months of repeated charge-off notations Balance reporting with no payment plan or proof of validity No documents to support high balance or delinquency timeline Provide identity of verifier under FCRA 611 ( a ) ( 7 ). 
XXXX  XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Paid and closed, but still reporting XXXX late right before closure No notice of default or verified delinquency provided Disclose name and contact info of verifying party. 
XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incomplete payment history XXXX inconsistencies across bureaus Reporting charge-off with no documentation of validation Demanding identity and office contact of the verifier. 
XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reporting as both closed and open, with XXXX late status Multiple charge-off/re-aging violations No documentation showing contract or authorization of balance Provide full contact of the employee who verified this. 
XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Conflicting balances and report dates Remarks about financial counseling unsupported by evidence No contract, no proof of delinquency, no account breakdown Who verified this information? Provide full identity and department. 
XXXX XXXX Auto Loan # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account is fully paid and closed but reporting 90-day lates after payoff No documentation of missed payments or billing statements Misclassification of account as a credit card Provide verification identity as required by FCRA 611 ( a ) ( 7 ). 
XXXX XXXX Repossession # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Voluntary repossession with continued RP notations illegal re-aging TransUnion incorrectly categorizes account type No sale breakdown or accounting of remaining balance Demanding contact information for the verifying party. 
AFFIRM XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed and paid in full, still showing XXXX late without prior XXXX No supporting documentation provided Provide the name, title, and department of the person who confirmed this tradeline.

Action Requested I am invoking my rights under FCRA 609 ( a ) ( 1 ) to request the following for each account : Original signed contract ( s ) Billing statements and full payment history Charge-off breakdowns and balance justifications Collection assignment or purchase documentation ( if applicable ) Additionally, under FCRA 611 ( a ) ( 7 ), I demand the name, title, department, and contact information of the person ( s ) who verified and confirmed the accuracy of each of these disputed items.

If you can not valida

te each account with full documentation within 30 days, you are required to delete these accounts permanently from my credit profile. Enclosed : Copy of my state-issued ID Proof of address Highlighted credit report showing the disputed accounts Thank you for your immediate attention. I expect a written response that includes both the outcome of each investigation and the verifier identity for each item. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief