Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts on my credit report, which I obtained from your bureau. According to the Fair Credit Reporting Act ( FCRA ), I request a full investigation of these items due to inaccuracies and potential data breach violations. Below are the accounts that I dispute, along with the reasons for my dispute : Accounts in Dispute : 1. XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Status : Positive o Dispute Reason : Account listed as positive but incorrectly reported with negative implications. Requesting a reevaluation of the account status. 
2. XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX  Account Status : Positive o Dispute Reason : Account incorrectly marked with negative status. 
3. XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Status : Positive o Dispute Reason : Incorrect reporting ; should be positive, not negative. 
4. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Status : Positive o Dispute Reason : Misclassification of account status, requiring accurate reporting. 
5. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX  XXXX Account Status : Positive o Dispute Reason : Requesting correction of any negative reporting on this account. 
6. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX Account Status : Positive o Dispute Reason : Requesting validation for positive account status. 
7. XXXX XXXX XXXX ( XXXX XXXX ) o Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX Account Status : Negative ( In dispute ) o Dispute Reason : This account is listed inaccurately as a " charge-off '' when it has been paid and should not be marked as a derogatory account. 
8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : Central Georgia Emergency o Account Status : Negative ( In dispute ) o Dispute Reason : Account listed as unpaid, though it's disputed for incorrect reporting. 
FCRA Violations : Failure to Correct Inaccurate Information : Many of these accounts contain inaccurate payment history, which violates my right under FCRA to ensure all information is correct. 
Failure to Complete Investigation within 30 Days : As per FCRA, investigations should be completed within 30 days of my dispute. These items have exceeded this timeframe without resolution. 
Incomplete or Misleading Reporting : Accounts marked as " closed '' or " charge-offs '' are often inaccurately reported or updated. This misreporting violates the FCRA 's mandate for accurate and complete information. 
Data Breach : Given the sensitive nature of the information on these accounts and the potential for a data breach, I request a review of these records to ensure no unauthorized access or incorrect reporting has occurred. Please ensure that all sensitive information is protected according to the highest standards of security.

Company response to consumer: Closed with non-monetary relief