Consumer complaint received 2025-05-05 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: TX

Complaint narrative:
* * Subject of Complaint : * * Inaccurate and non-compliant collection account reporting by XXXX XXXX XXXX * * Summary of Issue : * * I am submitting this complaint regarding the inaccurate and non-compliant reporting of a collection account by XXXX XXXX XXXX, originally for XXXX XXXX XXXX. The account number is XXXX, with a balance of {$530.00}, opened on XX/XX/year>. This account is being reported with conflicting and unverifiable information across Experian, Equifax, and XXXX contradictory status labels such as Open, Charge-Off, and Refinanced. The payment history is blank, dates of last activity are inconsistent, and the account violates multiple XXXX XXXX formatting standards. 

Additionally, I have never received proper notice or contractual agreement authorizing XXXX XXXX XXXX to access or report my consumer report, which constitutes a lack of permissible purpose under : 15 U.S.C. 1681b No valid permissible purpose to access or report this information 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a proper reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failed to update/correct disputed information 15 U.S.C. 1681c ( a ) Reporting outdated or obsolete adverse information XXXX XXXX Format ( 2024 ) Non-compliant status codes, blank payment history, conflicting data fields I have previously submitted disputes directly to the credit bureaus, and no correction or deletion has been made within the required time frame. Therefore, I respectfully request the CFPB to : Investigate XXXX XXXX XXXX for FCRA and XXXX XXXX violations. 

Permanently delete this account from all three credit bureaus. 

Block XXXX XXXX XXXX from any future furnishing of information under 15 U.S.C. 1681i ( a ) ( 5 ) ( C ).

Take action for the unauthorized access/reporting under 15 U.S.C. 1681b.

I am including a copy of my ID, proof of address, and a tri-merge credit report showing the violations. I reserve the right to pursue statutory and punitive damages under 15 U.S.C. 1681n and 1681o for continued noncompliance. 

- Creditor : XXXX XXXX XXXX ( for XXXX XXXX XXXX ) - Account Number : XXXX - Date Opened : XX/XX/year> - Balance : {$530.00} - Current Status : Reported inconsistently as Open, Charge-Off, and Refinanced - Missing or blank payment history field across all bureaus - * * Violations of Federal Law : * * - 15 U.S. Code 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy of information - 15 U.S. Code 1681i ( a ) : Failure to conduct a proper reinvestigation upon notice of dispute - 15 U.S. Code 1681s-2 ( b ) : Duty of furnishers to correct and update information after receiving a direct or indirect dispute - 15 U.S. Code 1681c ( a ) : Prohibition against obsolete or outdated adverse information - XXXX XXXX Format Compliance Manual ( XXXX  ) : Non-compliant use of status codes, account history, and field mismatches

Company response to consumer: Closed with explanation