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:
CFPB Complaint Letter XXXX XXXX XXXX  XXXX XXXX ( Acct XXXX XXXX XXXX XXXX  XXXX ) Prepared for : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Phone : XXXX To : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Subject : FCRA Violations XXXX XXXX XXXX  XXXX XXXX ( Acct XXXX XXXX XXXX XXXX XXXXXXXX ) Request for Investigation and Deletion Dear CFPB Representative, This complaint concerns ongoing inaccurate and misleading reporting by XXXX XXXX XXXX  XXXX XXXX on Account XXXX XXXX XXXX XXXX XXXX furnished to Equifax. According to my Equifax report ( see Exhibits AD ), the account is listed as Charged Off / Closed by Credit Grantor with the following key data points : Opened XX/XX/XXXX Date of First Delinquency XX/XX/XXXX Date Reported XX/XX/XXXX Balance {$610.00} XXXX XXXX {$500.00} Date of Last Activity ( blank ). This is my fifth dispute attempt seeking human verification, yet Equifax continues to mark the item as resolved by the data furnisher without providing documentary proof.

Specific Errors & FCRA Violations XXXX ReAging / False Date Reported. The account is closed/chargedoff yet shows a new Date Reported of XX/XX/XXXX, falsely refreshing the derogatory status in violation of FCRA 623 ( a ) ( 2 ) and 607 ( b ). ( Exhibit A ) 2 Improper Balance After ChargeOff. Reporting a current balance of {$610.00} on a closed, chargedoff account fails the maximumaccuracy standard under 607 ( b ). ( Exhibit B ) XXXX OverLimit Misreporting. Balance {$610.00} exceeds the credit limit {$500.00} on a closed line factually impossible and misleading, violating 607 ( b ). ( Exhibit B ) 4 Contradictory Timeline. DOFD XX/XX/XXXX conflicts with a refreshed Date Reported in XXXX, implying new activity on an inactive account a form of reaging under 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ). ( Exhibit A ) XXXX Missing Date of Last Activity. The field is blank, preventing proper sevenyear period calculations under 605 ( c ). ( Exhibit C ) XXXX No Human Verification. Multiple disputes have been closed without producing documentary evidence, violating 611 ( a ) ( 1 ) ( reasonable reinvestigation ) and the reinsertion notice rule 611 ( a ) ( 5 ) ( B ). 
XXXX No Proof of Ownership/Transfer. The record shows no Sold To or chainoftitle documentation ; continuing to report a balance without proof violates 623 ( b ). ( Exhibit D ) XXXX Improper PostClosure Updates. Ongoing updates after closure misrepresent account activity and injure the consumers file, vioXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Requested Resolution I respectfully request that the CFPB compel XXXX XXXX XXXX XXXX XXXXXXXX and Equifax to provide complete, humanverified documentation establishing ownership, chargeoff details, and the accuracy of each reported field. If validation can not be produced within XXXX  days, I demand permanent deletion of this tradeline from all consumer reporting agencies and reserve my right to seek {$1000.00} per violation under FCRA 616 and 617 for negligent or willful noncompliance. This account must not be reinserted without prior written notice and supporting documentation as required by 611 ( a ) ( 5 ) ( B ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX | Phone : XXXX

Company response to consumer: Closed with explanation