Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am formally disputing several inaccurate, incomplete, and unverifiable items on my credit report. These accounts contain reporting errors, inconsistencies, and violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ), and the CFPB guidelines.

I request an immediate reinvestigation pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and deletion of any account that can not be fully verified for accuracy and completeness. 
Disputed Accounts : XXXX  XXXX XXXX XXXX Acct # XXXX Reported as charged-off with a balance of {$3600.00}, but payment history shows no activity after XX/XX/XXXX while still reflecting fluctuating balances in XXXX. 
This is inconsistent and violates FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], requiring accurate and up-to-date reporting. 
The balance is being reported inconsistently ( {$3600.00} vs. {$0.00} on XX/XX/XXXX ), creating false reporting. 
XXXX XXXX XXXX Acct # XXXX Listed as charged off and repossession while also showing a {$0.00} balance as of XX/XX/XXXX. 
Account sold to XXXX XXXX but still reporting as XXXX, violating FCRA 623 ( a ) ( 5 ) ( duty to report correct ownership after transfer ). 
Duplicate and misleading reporting is grounds for deletion. 
XXXX Acct # XXXX Account is marked Open yet also reported with late payments ( XXXX lates in XXXX ) while showing {$0.00} balances for nearly a year. 
Status conflicts with balance history, violating FCRA 607 ( b ) and Cushman v. Trans Union Corp., 115 F.3d 220 ( 3rd Cir. 1997 ) requiring a reasonable reinvestigation. 
XXXX XXXX XXXX Acct # XXXX Collection account for XXXX XXXX XXXX 
Balance and status have not changed since reported ; no payment history shown. 
Marked as disputed but still verified without proper documentation, violating FCRA 611 ( a ) ( 1 ) ( A ) ( must provide proof of reinvestigation results ). 
XXXX XXXX XXXX Acct # XXXX Reporting a balance of {$1300.00} from XXXX, but no supporting contract, statements, or proof of assignment provided. 
Debt buyers must have complete chain of title under FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ] ; otherwise, this is unverifiable. 
XXXX XXXX Acct # XXXX Reported as a collection for XXXX but already marked disputed multiple times.

Continues reporting without proof of ownership or contract, which violates FCRA 623 ( a ) ( 1 ) ( A ) ( furnishers may not report information known to be inaccurate ). 
XXXX XXXX XXXX Acct opened XX/XX/XXXX Status shows Paid, Closed/Never Late but remains in the potentially negative section, which is misleading. 
This violates FCRA 605 ( a ) by misclassifying an account in a way that unfairly harms my creditworthiness. 
DEMAND FOR ACTION Under FCRA 611 ( a ) ( 5 ) ( A ), any item that can not be fully verified must be deleted from my credit report. If these accounts are not deleted within 30 days, I will escalate by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Texas Attorney Generals Office, and consider private legal action under FCRA 616617 for damages. 
Please provide me with : Results of your reinvestigation. 
The name, address, and phone number of each furnisher contacted. 
Documentation used to verify the disputed information. 
Failure to comply will constitute willful noncompliance under federal law.

Company response to consumer: Closed with explanation