Consumer complaint received 2025-08-08 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Re : Formal Demand for Deletion of Inaccurate, Outdated, and Unverifiable Accounts FCRA XXXX XXXX XXXX Compliance To Whom It XXXX Concern, I am formally disputing the following accounts on my Equifax credit file dated XX/XX/year>, as they are inaccurate, outdated, incomplete, and/or unverifiable under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX XXXX XXXX ( b ) and violate XXXX XXXX XXXX XXXX Standards. I demand immediate deletion of these accounts from my file. 

* * XXXX. XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XXXX XXXX charge-off reporting month after month in violation of XXXX XXXX XXXX ( charge-off is a one-time event ). 

Conflicting payment history, status codes, and past due balances across reporting months. 

Multiple disputes previously filed ; errors remain uncorrected, constituting willful noncompliance under XXXX XXXX. XXXX. 

* XXXX. XXXX, XXXX Acct XXXX XXXX XXXXXXXX as a collection without full validation of debt as required by XXXX XXXX. XXXX ( b ). 

Inconsistent high credit limit and balance reporting. 

Account shows late payments with no updated payment activity, indicating unverifiable data. 

* * XXXX. XXXX XXXX XXXX  XXXX XXXX Acct XXXX XXXX XXXX XXXX  XXXX payment history is illogical ( e.g., account moves from XXXX to XXXX to XXXX days late with no consistent delinquency pattern ). 

Violates FCRA XXXX ( b ) failure to maintain maximum possible accuracy. 

* XXXX. XXXX XXXX Acct XXXX XXXX XXXXXXXX late payments and delinquency with inconsistent payment history and narrative codes. 

Reinvestigation in process status remains with no correctionthis is continued reporting of disputed, unverifiable information. 

* XXXX XXXX XXXX XXXX  Acct XXXX XXXX Inaccurate high credit reporting and delinquency status. 

XXXX XXXX noncompliance for open accounts showing late payments without updated terms. 

* XXXX. XXXX Acct XXXX XXXX Years-old charged-off account still reporting monthly as derogatoryoutdated per FCRA XXXX ( a ) ( XXXX ). 

* XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX charge-off reporting and variable credit limits. 

Late payment history conflicts with account closure dates. 

* XXXX. XXXX XXXX XXXX Acct XXXX XXXX  XXXX buyer account with no proof of legal right to collect. 

Continues to report as active collection with no payment activity since XXXX and outdated. 

* XXXX. XXXX XXXX XXXX Acct XXXX XXXX XXXX account reporting different original creditor information across bureaus ( data inconsistency ). 

Violates FCRA XXXX ( a ) for failure to verify after dispute. 

* XXXX XXXX XXXX XXXX Acct XXXX XXXX  Charge-off repeatedly reported XXXX  XXXX violation. 

XXXX and past due amounts do not reconcile with last payment date. 

* XXXX. XXXX XXXX XXXX XXXX XXXX Acct XXXX XXXXXXXX Deposit-related account reported as charge-off with no payment historyunverifiable. 

* XXXX. XXXX XXXX AccXXXX XXXX XXXXXXXX XXXX payment reporting is inconsistent and conflicts with closure date. 

Narrative codes indicate prior disputes ; errors remain. 

Legal Basis & Demand FCRA XXXX ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy. 

FCRA XXXX ( a ) : Failure to conduct a reasonable reinvestigation of disputed information. 

FCRA XXXX ( a ) : Outdated derogatory information remains on file. 

XXXX XXXX Standards : XXXX repeated charge-off reporting, inconsistent status codes, and incorrect high credit data. 

Pursuant to FCRA XXXX ( XXXX XXXX. XXXX ), I demand that Equifax : Delete all accounts listed above from my credit file ; or Provide full method of verification including original creditor records, signed agreements, complete payment histories, and proof of legal right to report. 

If these inaccuracies are not deleted within XXXX  days, I will : File complaints with the CFPB, FTC, and my State Attorney General. 

Pursue legal action for statutory damages of up to {$1000.00} per violation under XXXX XXXX. XXXX and actual damages under XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief