Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax XXXX XXXX XXXX XXXX ( Acct * * * * XXXX ) From : XXXX XXXX XXXX Lower XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX Email : XXXX Phone : XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Fifth Dispute XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violations and Request for Permanent Deletion Dear Equifax Dispute Department, This is my fifth attempt requesting human verification of the XXXX XXXX account ending XXXX. 
The Equifax file shows this account as Charged Off / Closed by XXXX XXXX with the following data points taken from my report : Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Closed XX/XX/XXXX Date Reported XX/XX/XXXX Balance {$1100.00} Credit Limit {$1000.00}. The reporting contains the errors and FCRA violations listed below. Exhibits AD ( screenshots ) are referenced for each issue. 
XXXX ReAging / False Date Reported. Account closed in XX/XX/XXXX yet shows Date Reported XX/XX/XXXX, creating a false impression of recent activity in violation of FCRA 623 ( a ) ( 2 ) and 607 ( b ).

( Exhibit A ) 2 False Balance on a ChargedOff Account. Reporting a current balance of {$1100.00} on a closed, chargedoff account fails the maximumaccuracy standard under 607 ( b ). ( Exhibit B ) 3 OverLimit Misreporting. Balance {$1100.00} exceeds the credit limit {$1000.00} on a closed account factually impossible and misleading, violating 607 ( b ). ( Exhibit B ) 4 Contradictory Timeline. DOFD XX/XX/XXXX conflicts with postclosure Date Reported XX/XX/XXXX, implying new activity on an inactive account a form of reaging under 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ). ( Exhibit A ) 5 Missing Date of Last Activity. Field is blank, preventing proper 7year calculation and violating the retention framework of 605 ( c ). ( Exhibit C ) 6 No Human Verification. Prior disputes were marked resolved by data furnisher without documentary proof, violating 611 ( a ) ( 1 ) and the reinsertion notice requirement of 611 ( a ) ( 5 ) ( B ).

7 No Proof of Ownership / Transfer. Sold To is blank; continuing to report a balance without chainoftitle validation violates 623 ( b ). ( Exhibit D ) 8 Improper PostClosure Updates. Ongoing updates after closure misrepresent account activity and injure scoring models, violating 607 ( b ) and 623 ( a ) ( 2 ).

Requested Resolution ( FCRA 607 ( b ), 611 ( a ), 623 ( a ) ( 2 ), 616, 617, 611 ( a ) ( 5 ) ( B ) ) : Please conduct a manual, humanverified reinvestigation and provide documentary proof of ownership, chargeoff details, and accuracy for each reported field. If validation can not be produced within 30 days, I demand permanent deletion of this XXXX XXXX tradeline from my Equifax file and acknowledge my right to seek {$1000.00} per violation for negligent or willful noncompliance. This tradeline must not be reinserted without prior written notice and supporting documentation as required by XXXX ( a ) ( XXXX ) ( B ). 
Sincerely, XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX Email : XXXX | Phone : XXXX

Company response to consumer: Closed with explanation