Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing once again now formally and finally to demand the complete removal and permanent blocking of all inaccurate personal information, addresses, and tradelines from my consumer file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), FACTA, CFPA, and other federal statutes. Your agency has engaged in a pattern of willful, harmful, and deceptive behavior, for which I now seek full accountability, including compensatory and statutory damages. ________________________________________ SECTION I YOUR SYSTEMIC INACCURACIES HAVE CAUSED DIRECT HARM Despite previous corrections and submissions, you continue to misrepresent my identity, violating FCRA 1681e ( b ) and placing me at risk for fraudulent associations and identity misclassification. False and Unverified Addresses Privacy Breach Inaccurately Reported Addresses : o XXXX XXXX XXXX, XXXX, GA XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX, GA XXXX I have XXXX exclusively at XXXX XXXX XXXX, XXXX, GA XXXX since birth. I have never resided in XXXX, GA and can not receive mail at the reported addresses. Reporting these addresses is not only false, but it constitutes a breach of privacy, and creates a misleading paper trail that now includes false debts, collections, and misapplied liabilities. ________________________________________ SECTION XXXX XXXX COLLECTION LINKED TO FRAUDULENT ADDRESS XXXX Collection Account # XXXX * * * * Balance : {$7200.00} Condition : Derogatory, Collection/Charge-Off Dates Opened ( inconsistent ) : o Experian : XX/XX/XXXX o EquifaxXXXX XXXX XXXXXX/XX/XXXX Loan Type Misclassification : o Telecommunications/Cellular vs Unknown Credit Extension Last Payment Reported : XX/XX/XXXX Reported Status : o Collection/Charge-Off o 120 Days Late o Alternating OK and Collection statuses on the same months ( XXXX XXXX ) LINK TO FALSE ADDRESS : This XXXX collection is tied to the XXXX XXXX address a location I have never resided at, never used , and never authorized to be associated with me. This makes the account unverifiable, and by federal law under FCRA 605B, you are required to block this item immediately. Continued reporting after notice constitutes willful noncompliance, actionable under FCRA 1681n and 1681o. This entry : Defames my character, Jeopardizes my creditworthiness, Misrepresents my identity, and XXXX my familys ability to obtain housing, loans, and financial stability. ________________________________________ SECTION III MULTIPLE ACCOUNTS WITH XXXX XXXX XXXX XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Conflicting opening dates Conflicting balance and last payment dates Different account statuses across bureaus ( Closed, Paid, Open ) Loan type inconsistencies ( Secured Credit Card vs Credit Line ) XXXX  XXXX ( Opened XX/XX/XXXX ) Conflicting original balances One bureau reporting 60 Days Late while others report OK Inconsistent reporting dates and limits XXXX XXXX ( Auto Loan Opened XX/XX/XXXX ) Mismatched payment histories across all 3 bureaus Inconsistent opening dates, payment statuses, and terms XXXX XXXX XXXX show 90 Days Late, Equifax shows OK for the same month XXXX XXXXXXXX XXXX  incorrect Account Status " Charge-Off '' : It is improper to classify this account as a charge-off, particularly when it is a secured product. If the bank claimed a loss, then legally, under IRS requirements, I must be issued a Form 1099-C for cancellation of debt which I have not received. If no 1099-C was filed, then no actual charge-off occurred, and the reporting is false. Balance and Limit Misreporting : The reported original balance of {$430.00}, current balance of {$180.00}, and credit limit of {$250.00} do not reconcile. Reporting a balance higher than the secured credit limit is not only illogical, its materially misleading. Furthermore, reporting a " charge-off '' while simultaneously showing a current balance is contradictory, inaccurate, and constitutes double reporting, which is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ). Deceptive Current Balance on Charged-Off Account : Once an account is charged off, there must not be a " current '' or " past due '' balance shown. This misleads other creditors and inflates my total outstanding debt on file. If this debt was sold or transferred, XXXX is not permitted to report a balance. Under FCRA 607 ( b ), consumer reporting agencies must ensure maximum possible accuracy. The reporting in its current form is demonstrably inaccurate, misleading, and legally deficient.

Because this late payment is inaccurate & unverifiable, I now formally demand a TRAFFIC BLOCK under 15 U.S.C. 1681c-2 which mandates that any information resulting from fraud, identity theft, or unverifiable activity must be blocked from reporting within four business days of receipt of proper documentation. I meet all legal criteria for this request.

I have never been late on this account. Reporting a late payment where no actual delinquency occurred constitutes a material misrepresentation of my credit history. Moreover, under 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), the term consumer report specifically excludes any report containing only transaction or experience data between the consumer and the creditor. A payment history is a transaction and if Congress excluded transaction-only data from the definition of a consumer report, then a late payment without third-party intervention ( e.g., collections, charge-off ) is not legally reportable in a manner that negatively impacts my consumer file.

Late payments are a FICO scoring factor, not a lawful basis for derogatory consumer reporting.

If there was no third-party intervention or legal status change, the negative report is outside the legal boundaries of the FCRA. 
________________________________________ SECTION IV YOU ARE IN WILLFUL VIOLATION OF FEDERAL LAW You are now fully aware of these issues and yet have refused to act responsibly or lawfully. As a result, you are in violation of the following laws : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy FCRA 1681i : Failure to reasonably investigate disputed items FCRA 605B : Refusal to block unverified/fraudulent data FCRA 1681n & 1681o : Willful and negligent noncompliance CFPA ( 12 U.S.C. 5531 ) : Engaging in deceptive and abusive reporting practices FACTA : Mishandling of consumer identity and financial data

Company response to consumer: Closed with non-monetary relief