Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Equifax Information Services, LLC XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Re : Formal Dispute of Inaccurate and Incomplete Information Under the Fair Credit Reporting Act ( FCRA ) To Whom It May Concern, I am formally disputing the accuracy and completeness of the following accounts currently appearing on my credit reports. After careful review, I have identified multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), including 1681e ( b ) ( maximum possible accuracy ), 1681i ( a ) ( 1 ) ( reinvestigation requirement ), and 1681i ( a ) ( 5 ) ( duty to delete unverifiable information ). Some accounts may also violate the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 8 ) ) if reported by third-party collectors. 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance {$620.00} Reported as an Open Account yet also marked Placed for Collection, which is contradictory and misleading. 
No payment history provided despite derogatory reporting.

Violates 15 U.S.C. 1681e ( b ) and 1681i ( a ) ( 1 ).

Requires deletion if unverifiable under 1681i ( a ) ( 5 ). 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$570.00} XXXX TransUnion & Equifax ) Duplicate entries across bureaus ( reported as XXXX XXXX XXXX  on TransUnion, XXXX XXXX XXXX on Equifax ). 
Inconsistent status dates and balance updates between bureaus. 
This constitutes re-aging and inconsistent reporting, in violation of 1681e ( b ).

Collection agency reporting requires strict accuracy ; failure constitutes 1692e ( 8 ) FDCPA violation. 
XXXX. XXXX XXXX XXXX Balance {$10000.00} / Charged Off Account status reports as Charged off as bad debt but also marked with Profit and Loss Write-Off. 
Balance reporting ( {$10000.00} ) is inconsistent with the original balance of {$15000.00} with no clear explanation of credits or adjustments. 
Possible re-aging of payment history with last activity reported XX/XX/XXXX, yet account opened XX/XX/XXXX and charged off prematurely. 
Violates 1681e ( b ) and 1681i ( a ) ( 1 ) for failure to ensure maximum accuracy. 
XXXX. XXXX Installment Account ( Closed, Paid ) Account reports as Closed Paid or paying as agreed but remains listed as a derogatory closed account. 
Payment history shows gaps and incomplete reporting, despite being fully paid. 
This is misleading and violates 1681e ( b ). 
XXXX. XXXX XXXX Balance {$610.00} Listed as an Open Account yet marked as Closed / Collection Account. 
Inconsistent reporting of status across different sections of the credit file. 
Missing payment history while showing derogatory balance. 
Violates 1681e ( b ) and 1681i ( a ) ( 5 ). 
DEMAND FOR ACTION In accordance with my rights under the FCRA, I hereby demand : A full reinvestigation of each account listed above. 
Deletion of any account that can not be 100 % verified with proper documentation ( including signed agreements, complete payment history, and chain of assignment of debt ). 
Correction of any inconsistent, misleading, or incomplete reporting. 
If these errors are not corrected or deleted within 30 days of receipt of this letter, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 
I expect written confirmation of your investigation results within the statutory timeframe.

Company response to consumer: Closed with non-monetary relief