Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Deceptive Reporting of Sold Commercial Debt as Personal Charge-Off by XXXX  and Failure to Correct by XXXX  and Equifax I am filing this complaint to demand the complete and permanent removal of a fraudulent tradeline reported by XXXX XXXX and currently displayed on my XXXX credit report under account number XXXX. 

If this is not removed from my personal credit report then I will be sending a formal Intent To Sue letter next.

This debt was PART OF A COMMERCIAL LEASE, NOT A PERSONAL DEBT, and I was never legally liable for it as an individual consumer in the manner it is being reported. The company has knowingly misclassified this account as " Individual Responsibility '' and reported it as a personal charge-off, despite the following facts : Legal & Procedural Violations : 1. This was a commercial debt.

XXXX is MISREPRESENTING A COMMERCIAL LEASE as a personal account. That is deceptive and violates : FCRA 623 ( a ) ( 1 ) ( A ) : Reporting information known to be inaccurate or misleading.

FCRA 623 ( a ) ( 2 ) : Failure to update and correct incorrect information.

2. XXXX  SOLD this debt to another company ( XXXX XXXX XXXX XXXX ) As shown in the Historical Info section of my XXXX  report, XXXX  no longer owns this debt. 

Under FCRA, once a debt is sold, the original creditor must update the tradeline to reflect a {$0.00} balance and mark it as sold/transferrednot continue reporting as if they still own it. 

3. Debt was settled with the new owner and shows a {$0.00} balance. 
XXXX has no legal right to continue reporting any balance or status, especially as charge-off or collection, since they are no longer the creditor and have not substantiated any charge-off activity. 

XXXX. XXXX updated the account in XX/XX/year> with a misleading Paid, Closed statusbut still left the full charge-off, payment history, and derogatory marks active. 
This contradicts the paid/closed claim and continues to damage my credit unfairly. 

Direct Violations of Law : FCRA 623 ( a ) ( 1 ) ( A ) Reporting knowingly false or misleading information FCRA 623 ( a ) ( 2 ) Failing to update or correct inaccurate tradelines FCRA 611 ( a ) ( 5 ) ( A ) Failing to delete unverifiable information FDCPA 807 ( 8 ) Reporting disputed debt information known to be false FCRA 623 ( b ) Furnisher failed to properly reinvestigate during my disputes What Im Requesting : - Immediate and complete removal of this tradeline from my credit report with XXXX and Equifax - Permanent suppression of this item to prevent it from ever being reinserted - Formal written acknowledgment from XXXX  and Equifax that this account was wrongly reported and has been fully removed - Investigation into XXXX  reporting practices for misclassifying commercial debt as individual consumer debt Supporting Evidence I Am Uploading : The debt sold to XXXX XXXX and party involved is XXXX XXXX XXXX, NOT a person! 

Paid, Closed status listed falsely alongside full charge-off data Inconsistent and contradictory balance/payment histories as shown on Welcome Letter and Credit Report Screenshots. 

No matching documentation supporting charge-off, 1099-C, or consumer responsibility

Company response to consumer: Closed with non-monetary relief