Consumer complaint received 2025-09-08 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: MI

Complaint narrative:
I am writing regarding the above-referenced XXXX XXXX account, currently reported with a balance of {$160.00} and noted as charged off. After reviewing my credit reports, I have found that the information currently being furnished is inaccurate, incomplete, and inconsistent across bureaus as listed below. These conflicts make it impossible for the account to be verified as complete and accurate under FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681e ( b ).

The following issues have been identified after pulling my credit report from XXXX, Equifax, and XXXX  and then placing them side-by-side in comparison ( see attached files ) : 1. The account is reported as Charged-Off while still showing a past due balance of {$160.00} and 16 % utilization. Under XXXX XXXX guidelines and FCRA standards, a charged-off and closed account must not simultaneously report a past due amount or utilization percentage. 
XXXX. Late payment history and status coding differ between Equifax, XXXX, and XXXX, creating conflicting and misleading narratives of the account and even such entries as ND or no entry at all where data should be reported, is against FCRA laws. 
3. FCRA 1681e ( b ) requires all information furnished to be complete and accurate across all CRAs. This standard is not being met.

Pursuant to the FCRA and FDCPA ( as applicable ), I am requesting : 1. Provide complete documentation including the original agreement, billing/payment history, and accounting records that substantiate the reported balance of {$160.00}, the accounts status, and each month-to-month entry. 
2. Under FCRA 611 ( a ) ( 5 ) ( A ), unverifiable information must be deleted, not modified or left uncorrected. Therefore, piecemeal updates do not cure the systemic inaccuracies because the reporting has been historically unreliable, re-aged, and contradictory. Any attempt to update would simply perpetuate inaccuracies rather than resolve them. In light of this information, if XXXX XXXX records and internal systems can not reconcile with what is currently being reported across Equifax, XXXX, and XXXX then the entire tradeline is inherently unreliable making deletion of the account in full the only lawful and proper remedy under FCRA 611 ( a ) ( 5 ) ( A ). Any continued reporting of unverifiable or contradictory information constitutes willful noncompliance and bad-faith furnishing. Furthermore, knowingly continuing to furnish inaccurate information after notice constitutes willful noncompliance under FCRA 1681n, opening XXXX XXXX to liability for damages. 
3. Under FCRA 611 ( a ) ( 7 ), provide the specific details of how this account and its information was investigated with each credit bureau, including the names, positions, and contact information of those involved in the investigation process. Please note that generic responses, template letters, or unverifiable summaries will not satisfy your obligations under the law. You are required to provide documentary evidence of the accounts accuracy or request deletion of the tradeline in full with all credit reporting agencies. 

Given the documented inaccuracies, the opportunity XXXX XXXX has had to correct this account in response to my previous disputes, and the ongoing harm to my credit profile, I am requesting the immediate deletion of this account from all credit reporting agencies due to failure of proper validation and inconsistent reporting. 

Failure to comply within 15 days of receipt will be taken as continued willful noncompliance, therefore I reserve my rights under FCRA 616, 617, and FDCPA 813 to pursue statutory damages, legal remedies, and to escalate with regulatory agencies including the CFPB and FTC.

I request your written response within 15 days confirming your position and outlining your resolution to delete the account in its entirety. An copy of this letter has been sent to Equifax, XXXX, and XXXX and also submitted to the CFPB. 

Thank you for your prompt attention. I would prefer to resolve this matter amicably and avoid unnecessary escalation.

Company response to consumer: Closed with non-monetary relief