Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
Complaint Summary I am filing this complaint regarding an inaccurate and unverifiable XXXXXXXX XXXX account reported by Equifax, under account number XXXX. 
This account has been disputed multiple times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) with no proper verification or correction. 
Equifax continues to report this account as Derogatory / Collection / Charged Off with a {$0.00} balance and a last reported date of XX/XX/XXXX, despite showing last activity and payment on XX/XX/XXXX. 

Additionally, the Account Type Detail field is blank, making the tradeline unverifiable and violating the accuracy and completeness standards under the Fair Credit Reporting Act ( FCRA ). 

I have also submitted a valid FTC Identity Theft Report ( No. XXXX ), which legally obligates the bureau to block the disputed information within four ( 4 ) business days under 15 U.S.C. 1681c-2 ( FCRA 605B ).

Equifax has failed to comply with this mandate. 

Violations and Evidence Missing Account Type Detail No classification for loan type ; violates FCRA 607 ( b ).

Contradictory Account Status and Balance Charged off status with {$0.00} balance. 

False Last Reported Date XX/XX/XXXX despite last activity in XX/XX/XXXX ; potential re-aging of debt. 

Duplicated Credit Amounts High Credit, Credit Limit, and Past Due all identical ( {$18000.00} ). 

Improper Charge-Off Comment Account marked Charged off despite no collection transfer. 

Inconsistent Payment History All months reported OK contradicting the derogatory status. 

Single-Bureau Reporting Only Equifax reports the account ; absent in XXXX XXXX XXXX  violating 1681i ( a ) ( reinvestigation duty ).

These inaccuracies constitute violations of multiple sections of the FCRA, including : 604 Permissible purpose violations. 

607 ( b ) Failure to maintain maximum possible accuracy.

611 Failure to reinvestigate.

623 ( a ) ( 1 ) ( A ) Furnishing data known to be inaccurate.

623 ( a ) ( 2 ) Failure to correct and update data.

605B Failure to block information after identity theft report submission.

Legal Citations This conduct violates : 15 U.S.C. 1681c-2, 1681e ( b ), 1681i ( a ), 1681s-2 ( a ) ( 1 ) ( A ), 1681s-2 ( b ) Truth in Lending Act ( TILA 1601 ) Title 15, Chapter 41 Federal Consumer Credit Protection Laws Requested Relief and Resolution Immediate Deletion of the XXXX XXXX tradeline from my Equifax report under FCRA 605B. 

Written confirmation from Equifax and XXXXXXXX XXXX  of deletion or verified evidence within XXXX business days. 

CFPB enforcement review of both Equifax and XXXX XXXX for continued violations of consumer protection laws. 

Cease and desist order against further reporting of unverifiable or inaccurate information. 

Restoration of accurate reporting and correction of any negative impact on my credit file or score. 

Failure to comply within statutory timelines constitutes willful noncompliance under 15 U.S.C. 1681n, subjecting Equifax and XXXX XXXX to civil penalties of up to {$5000.00} per violation, plus actual damages and attorneys fees.

Company response to consumer: Closed with explanation