Consumer complaint received 2024-12-30 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: FL

Complaint narrative:
I am writing to dispute the accuracy and validity of a charge-off account that has been reported on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to accurate and complete information in my credit reports. I believe the information regarding this charge-off account is inaccurate and/or incomplete, and I request an immediate investigation into this matter. 

XXXX XXXX Inaccuracies : 1. Reporting Across Bureaus : o XXXX and XXXX have no details, leaving the report incomplete for these bureaus. 
o Only Equifax provides detailed information about the account. 
2. Late Payments ( Equifax ) : o Equifax lists consistent 120-day late payments for several months, even though the account appears to be " open. '' o The late payments do not align with other missing details from the other bureaus. 
3. Comment Inconsistency : o Equifax mentions " CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS, '' but it does not clarify the status or results of the investigation. 
4. Variable Rate Information : o Equifax includes a " Variable Rate '' mention, but it is not elaborated on. This could cause confusion for the borrower or creditor. 
5. Future Reporting Date : o The " Last Reported '' date is XX/XX/XXXX, which is a future date and violates the FCRA 's accuracy requirements. 
6. Balance vs. High Credit : o The balance is {$2500.00}, while the credit limit is {$2000.00}. The balance exceeding the credit limit suggests inaccuracies or an over-limit charge without proper documentation. 
7. Date of Last Payment ( Equifax ) : o The Date of Last Payment is listed as XX/XX/XXXX, but no other payment history supports this, and the account appears to have multiple late payments. 

XXXX XXXX XXXX  XXXX XXXX : 1. Incomplete Reporting Across Bureaus : o XXXX and XXXX : Contain no information for the account, leaving the report incomplete and inconsistent. 
o Only Equifax has provided account details. 
2. Late Payment Reporting ( Equifax ) : o Equifax mentions " At least 120 days or more than four payments past due, '' but the Payment History shows all months as " OK. '' This is a clear inconsistency. 
3. Balance Exceeds Credit Limit : o Balance : {$600.00}. 
o Credit Limit : {$500.00}. 
o The balance exceeding the credit limit indicates either an over-limit charge or inaccurate reporting. 
4. Comments on Consumer Disputes : o Equifax notes " CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS '' but does not provide any outcome or updated status of the investigation. 
5. Date Discrepancies : o Last Reported : XX/XX/XXXX. 
o Date Last Active : XX/XX/XXXX. 
o These dates are inconsistent with the provided payment history and account activity. 



XXXX XXXXXXXX XXXX XXXX : 1. Incomplete Reporting Across Bureaus : o XXXX and XXXX : Both have no information listed for the account, leaving the report incomplete and inconsistent. 
o Only Equifax provides account details, which creates a lack of uniformity in reporting. 
2. Charge-Off Status : o Equifax lists the account as " Charge-off '' with a balance of {$2800.00}, which is inconsistent with the payment history showing all months as " OK. '' 3. Date Discrepancies : o Date Last Active : XX/XX/XXXX. 
o Date Last Payment : XX/XX/XXXX. 
o These dates are inconsistent with the payment history, which shows the account as " OK '' during the listed periods. 
4. Consumer Disputes : o Equifax notes " CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS, '' but there is no outcome or resolution provided in the report. 
5. High Credit vs. Balance : o The high credit is listed as {$2700.00}, while the balance is reported as {$2800.00}, which exceeds the high credit limit. This discrepancy suggests a reporting error. 
6. Monthly Payment Information : o The monthly payment is listed as {$2800.00}, which is unusually high for a revolving account and may not be accurate. 



XXXX XXXX  Inaccuracies : Charge-Off Status and Payment History : o The account is listed as " Charge-off '' with a balance of {$270.00}, but there is no explanation for this status. 
o The payment history consistently shows " CO '' ( Charge-Off ) for all months, which contradicts the absence of additional late payments or past due amounts before the charge-off. 
2. Inconsistent Reporting Across Bureaus : o XXXX and Equifax report details for this account, while XXXX provides no data, leading to an incomplete report across all bureaus. 
3. Date Discrepancies : o Last Reported : Equifax reports XX/XX/XXXX, which is a future date and violates the FCRA 's accuracy requirements. 
o Date Last Active : XXXX reports XX/XX/XXXX, also a future date, which is inaccurate. 
4. High Credit vs. Balance and Credit Limit : o High Credit : {$270.00}.

o Credit Limit : {$200.00}.

o Balance : {$270.00}. 
o The balance matches the high credit but exceeds the credit limit, which is inconsistent and needs clarification. 
5. Consumer Dispute Comments : o XXXX includes a note about a " Dispute resolved reported by grantor, '' but there is no clear resolution or verification outcome. 



XXXX XXXX, XXXX Inaccuracies : Incomplete Reporting Across Bureaus : o XXXX and XXXX : Both have no data reported for the account, making the report incomplete and inconsistent. 
o Only Equifax provides detailed information for this account. 
2. Charge-Off Status with Positive Payment History : o The account is listed as " Charge-off '' with a balance of {$20.00}, but the Payment History for all months shows " OK, '' which contradicts the charge-off status. 
3. Balance vs. Credit Limit : o Balance : {$20.00}. 
o Credit Limit : {$500.00}. 
o While the balance is within the credit limit, the charge-off status for such a small balance seems unusual and requires clarification. 
4. Consumer Disputes : o Equifax includes a comment stating " CONSUMER DISPUTES- REINVESTIGATION IN PROGRESS, '' but the report provides no outcome or explanation of the dispute. 
5. Date Discrepancies : o Last Reported : XX/XX/XXXX. 
o The " Date Last Active '' and " Date of Last Payment '' are missing or not properly aligned with the payment history and reported activity. 




Applicable Legal Basis for Dispute 1. Verification Requirement ( 15 U.S.C. 1681i ) : - The FCRA mandates that all disputed information be verified within 30 days of a consumers dispute. If the information can not be verified, it must be corrected or deleted. 
2. Obligation of Accuracy ( 15 U.S.C. 1681e ( b ) ) : - Consumer reporting agencies must ensure maximum possible accuracy of the information in consumer reports. The inaccurate or unverifiable information regarding the charge-off account violates this requirement. 
3. Re-Aging of Debt ( 15 U.S.C. 1681c ) : - The FCRA prohibits re-aging of old debt. If the date of first delinquency is inaccurately reported, the charge-off may appear on my credit report longer than the allowed 7 years.

4. Validation of Debt ( Fair Debt Collection Practices Act, 15 U.S.C. 1692g ) : - Under the FDCPA, if the debt is being collected by a third party, I have the right to request validation of the debt, including proof of ownership and the amount owed. If the creditor or collection agency can not validate the debt, it must be removed. 


The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation