Consumer complaint received 2025-12-07 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:
To Whom It May Concern : I am formally disputing the XXXX XXXXXXXX account ( partial account number XXXX ) that appears on my consumer credit file as a charge-off with a stated balance of {$9100.00}.

This account is being reported with material inaccuracies and unverifiable information, and therefore must be immediately reinvestigated and permanently removed unless the data furnisher provides legally acceptable documentation proving its accuracy.

1. VIOLATIONS OF FCRA 602 ( a ) FAILURE TO MAINTAIN MAXIMUM POSSIBLE ACCURACY FCRA 602 ( a ) ( 1 ) requires consumer reporting agencies to ensure the maximum possible accuracy of all information.

The following elements appear inaccurate or incomplete : The Date of First Delinquency ( XX/XX/year> ) conflicts with the reported charge-off status and balance, suggesting improper aging and data reconstruction. 
The account opening date ( XX/XX/year> ) and charge-off timeline do not follow standard creditor charge-off protocols ( typically 180 days ), raising substantial concerns about data accuracy and procedural compliance. 

Any deviation, mismatch, or unverified reporting constitutes a violation of FCRA 602 ( a ).

2. VIOLATION OF FCRA 609 ( a ) ( 1 ) FAILURE TO PROVIDE SOURCE & VERIFICATION DOCUMENTS Under FCRA 609 ( a ) ( 1 ), I have the right to the exact source of all information, including the original records used to verify this tradeline. 

The bureau must obtain from XXXX XXXX the original signed agreement, complete payment history, charge-off documentation, and DOFD source records.

Internal screenshots, system notes, or unverifiable digital records do not satisfy FCRAs verification standard.

If you can not provide this documentation, the item must be deleted.

3. VIOLATION OF FCRA 611 ( a ) FAILURE TO VERIFY IN COMPLIANCE WITH FEDERAL LAW Under FCRA 611 ( a ) ( 1 ) ( A ), the bureau must conduct a reasonable reinvestigation.

Under FCRA 611 ( a ) ( 5 ) ( A ), if any information is inaccurate, unverifiable, or incomplete, it must be promptly deleted. 

Given the discrepancies and missing documentation, the XXXX XXXX account can not be verified to federal standards. 



4. VIOLATION OF FCRA 623 ( a ) ( 1 ) ( A ) FURNISHING INACCURATE INFORMATION XXXX XXXX  is prohibited under FCRA 623 ( a ) ( 1 ) ( A ) from furnishing information it knows or should know is inaccurate.

The inconsistent dates and questionable charge-off timeline directly indicate that the reporting furnisher has provided incomplete or inaccurate information, which legally can not remain on my credit file. 



DEMAND FOR ACTION In accordance with FCRA 602, 609, 611, and 623, I formally demand the following : XXXX. A complete reinvestigation of the XXXX XXXXXXXX account. 
2. A written description of the Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

3. Permanent deletion of the account if any portion is : Unverifiable Inaccurate Incomplete Unsupported by the original creditors documentation If you can not obtain the original records needed for full verification, you are required under federal law to delete the tradeline immediately.

I expect your response within the statutory 30-day timeframe.

Company response to consumer: Closed with explanation