Consumer complaint received 2025-03-17 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: IL

Complaint narrative:
have recently obtained a copy of my credit report and have identified certain inaccuracies that are being erroneously reported. I am submitting this formal letter to dispute the information found on my credit report in accordance with the guidelines outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i. Upon careful review of my credit report, I have noticed inconsistencies that require further investigation and rectification.

I am writing to formally dispute the following information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Upon reviewing my credit report, I found discrepancies that I would like to have investigated and corrected. 
XXXX - XXXX - Please confirm that this is reporting accurately, I want a response! - I was never late on this at all - DELETE THIS NOW! Date Opened : XX/XX/XXXX, but Date of Last Activity : XX/XX/XXXX ( which is before the account was supposedly opened ). This suggests an inaccuracy that violates 15 U.S.C. 1681e ( b ). If the Date of Last Activity ( XXXX ) was XX/XX/XXXX, but the account " opened '' on XX/XX/XXXX, the creditor may be re-aging the debt ( illegally extending its reporting period ). Delete account immediately XXXX  - XXXX - date opened and last active is inaccurate - High Credit & Credit Limit Discrepancy Date Last Active differs across bureaus : XXXX XXXX XXXX : XX/XX/XXXX Equifax XXXX XX/XX/XXXX These date inconsistencies can be disputed under 15 U.S.C.

1681e ( b ) ( maximum possible accuracy standard ). Delete off my credit immediatley High Credit : XXXX reports {$560.00}, Equifax reports {$250.00}, and XXXX reports {$0.00}. 
XXXX XXXX - XXXX - date opened and last active is inaccurate - Date Last Active ( Equifax XXXX Inaccuracy : XXXX XXXX the Date Last Active as XX/XX/XXXX. XXXX lists the Date Last Active as XX/XX/XXXX. Equifax lists the Date Last Active as XX/XX/XXXX this is a vioation of XXXX usc XXXX ( b ) maximum possibel accuracy standard and you must report. XXXX immedaitely off my credit XXXX - XXXX - This account is not showing maximum possible accuracy according to 15 USC 1681e ( b ) - Date of Last Payment ( Equifax XXXX Inaccuracy : XXXX and XXXX list the Date of Last Payment as XX/XX/XXXX. Equifax lists it as XX/XX/XXXX. Correction Needed : The Date of Last Payment on Equifax should match the dates reported on XXXX and XXXX XXXX, date of last active is not accurate- Delete account immediately for violation of 15 USC 1681e ( b ) XXXX - XXXX - This is not accurate. - I am disputing the XXXX account on my credit report as it contains inaccurate and unverified information, violating 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681b. The account was marked as charged off, yet it was also transferred or sold, meaning the original creditor should no longer be reporting it. If the furnisher can not provide proper verification, I demand its immediate removal from my credit file. '' Delete immediatley of my credit XXXX  - XXXX - date opened and last active is inaccurate - Inconsistent Date Opened : XXXX XXXX XX/XX/XXXX XXXX & Equifax XXXX XX/XX/XXXX This violates 15 U.S.C .

1681e ( b ) ( Maximum Accuracy Rule ). Delete off my credit immediately XXXX - XXXX - date opened and last active is inaccurate - Inconsistent Account Details Across Credit Bureaus Date Opened : XXXX XXXX XX/XX/XXXX XXXX & Equifax XXXX XX/XX/XXXX High Credit : XXXX : {$0.00} ( incorrect ) XXXX XXXX Equifax XXXX {$1500.00} Re-Aging of Debt ( Possible Violation of 15 U.S.C. 1681c ) Date Last Active : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX Date of Last Payment : XXXX & XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX The Date of Last Activity ( XXXX ) varies across bureaus, which could indicate re-aging of debt to keep it on your report longer. Payment History Discrepancies Equifax Shows " OK '' Payments in some months while other bureaus list charge-offs ( CO ). This inconsistency violates XXXX XXXX. XXXX ( b ) ( Maximum Possible Accuracy ). Delete off my credit immediately Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.

Send back an updated copy of my credit report to the above address. I also request that you send notices of corrections to anyone who received my credit report in the past XXXX months. 
Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief