Consumer complaint received 2025-09-04 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: NC

Complaint narrative:
This letter is written as if presented before a court. I am documenting, as fact, multiple violations of the Fair Credit Reporting Act ( FCRA ), FACTA, North Carolina Unfair and Deceptive Trade Practices Act ( N.C. Gen. Stat. 75-1.1 ), and established case law committed by Equifax and its furnishers.

Equifax has previously marked these accounts as verified after my disputes. By verifying false, incomplete, or contradictory data, Equifax is now liable for knowingly maintaining unlawful credit reporting.

The law is clear : under FCRA 611 ( a ) ( 5 ), when information is found to be unverifiable or incomplete after an investigation, the only legal remedy is deletion either of the late payment data or of the tradeline itself. 

FACTUAL ACCOUNT-BY-ACCOUNT FINDINGS XXXX XXXX XXXX XXXX XXXX XXXX  Closed ( {$720.00} Charge Off ) History shows 120-, 150-, 60-, and 90-day late entries without any prior 30-day late, which is impossible. 

The account summary shows zero lates, yet derogatories are buried in the payment history. 

Equifax verified this, confirming knowingly false and incomplete reporting. 

Violation : FCRA 1681e ( b ), 611 ( a ) ( 5 ) ; Cushman v. TransUnion.

2. XXXX XXXX XXXX XXXX XXXX Reports late payments into XXXX despite being closed. 

Summary shows 0 lates, history shows derogatories.

Violation : FCRA 1681e ( b ) ; UDTPA deception by burying derogatories. 

XXXX. XXXX XXXX XXXX tradeline reports open with no lates, another shows closed with late codes. 

Conflicting versions of the same account = incomplete and unverifiable. 

Violation : FCRA 611 ( a ) ( 5 ) ; Equifax can not maintain contradictory data. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$45000.00} Balance ) Balance increased despite payments. 

False 60-day late entries inserted while payments were current. 

Violation : FCRA 623 ( a ) ( XXXX ) ( A ) ; NC XXXX ; McKie v. Bridgecrest. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX ( $ XXXX {$1000.00} ) False XXXX late XX/XX/XXXX. 
Summary shows 0 lates, history shows derogatories.

Violation : FCRA 1681e ( b ), 611 ( a ) ( 5 ). 

XXXX. XXXX XXXX XXXX Closed XX/XX/XXXX XXXX XX/XX/XXXX lates in history but XXXX lates in summary. 

Contradictory = unverifiable. 

Violation : FCRA XXXX ( c ) ( re-aging ) ; Equifax verified contradiction. 

XXXX. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( {$18000.00} ) Lates reported into XXXX, while summary shows XXXX lates. 

Another example of Equifax burying derogatories after verification. 

XXXX XXXX XXXX XXXX XXXX Closed XX/XX/XXXX ( {$990.00} Charge Off ) XXXX listed XX/XX/XXXX, yet lates continue and closure was XX/XX/XXXX. 

Impossible sequence. 

Violation : FCRA 605 ( c ) ( illegal re-aging ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( {$240.00} Charge Off ) Reports charge off twice in XX/XX/XXXX and XX/XX/XXXX. 

CO can not be coded monthly ; this is unlawful re-aging. 

Violation : XXXX XXXX XXXX XXXX XXXX. 

XXXX. XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( {$320.00} Charge Off ) Every month of XXXX coded CO. 

Continuous charge-off coding is illegal. 

Violation : FCRA 605 ( c ) ; Nelski v. Ameritech. 

XXXX. XXXX XXXX, XXXX XXXX XX/XX/XXXX ( {$50.00} ) Marketed as a credit builder program. 

Account summary shows XXXX lates, but history reveals derogatory late entries. 

Delinquency First Reported XXXX XXXX, XXXX exists without supporting payment history unverifiable. 

XXXX failed to maintain app access and payment processing, which caused the late marks. 

This is Tortious Interference. XXXX  reporting directly sabotages consumers credit opportunities by turning a marketed credit builder into a credit destroyer. 

FCRA 623 ( a ) ( 1 ) ( A ) : knowingly reporting incomplete/misleading info. 

NC XXXX XXXX : deceptive trade practice. 

Tortious interference : intentional harm to credit expectancy. 

12. Other Accounts ( XXXX XXXX, XXXX XXXX, XXXX, XXXX, etc. ) Already deleted from Experian and TransUnion but Equifax continues to report. 

Continuing to report after deletion elsewhere is willful misconduct. 

LEGAL FRAMEWORK BROKEN BY EQUIFAX FCRA 1681e ( b ) : Duty to ensure maximum possible accuracy.

FCRA 611 ( a ) ( 5 ) : After investigation, unverifiable or incomplete data must be deleted.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers can not knowingly report false/misleading data.

FCRA 605 ( c ) : Prohibits re-aging of debt.

FACTA 312 : CRA must block inaccurate data. 

Case Law : Cushman v. TransUnion CRAs must go beyond parroting furnishers.

McKie v. Bridgecrest false loan balance reporting actionable.

Saunders v. BB & T false reporting creates liability.

Nelski v. Ameritech continuous re-aging unlawful. 

NC XXXX XXXX : Unfair or deceptive acts in commerce. 

Tortious Interference : Ongoing false reporting intentionally prevents fair access to credit. 

XXXXATTERN & MOTIVE Equifax has verified false and incomplete data, which is willful misconduct. By burying derogatories in histories while showing XXXX in summaries, Equifax is holding consumers down to sell predatory, high-fee, high-interest credit cards for which they receive commission. 

I experienced this directly : after 10 derogatories were deleted, my score dropped because Equifax simultaneously verified false lates and re-aged charge-offs. This proves intentional manipulation.

Company response to consumer: Closed with explanation