Consumer complaint received 2025-09-17 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:
Remove the following inaccurate and unverifiable accounts from my credit report immediately. These accounts are being reported with contradictions, inconsistencies, and false statuses, which are unlawful and misleading. Under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2, Equifax is required to maintain only accurate and verifiable information. Failure to do so requires deletion. Additionally, under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have an essential right to privacy regarding my financial information. Also, 15 U.S.C. 1681 ( a ) ( 4 ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information. No permissible purpose, as shown in 15 U.S.C. 1681b ( 2 ), has been established for Equifax to maintain a credit report on my behalf. Equifax has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. The presence of this information is a violation of my privacy rights due to the absence of this permissible purpose. I demand the permanent removal of the following accounts, which are being reported inaccurately and in violation of federal law. For your review, I am also attaching the copies and photos of my credit reports where these errors are clearly visible. Disputed Accounts XXXX. XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} Status : Closed / Derogatory / Collection / Charge-off Violations of 15 U.S.C. 1681s-2 for reporting inaccurate and unverifiable information. Account marked Closed yet still reported as Collection/Chargeoff with a balance of {$2500.00} and derogatory status. These contradictions are misleading and unlawful. DELETE FROM MY CREDIT REPORT. XXXX. XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$4400.00} Status : Closed / Derogatory / Collection / Charge-off Violations of 15 U.S.C. 1681s-2 for reporting inaccurate and unverifiable information. Account marked Closed yet still reported as Collection/Chargeoff with a balance of {$4400.00} and derogatory status. These contradictions are misleading and unlawful. DELETE FROM MY CREDIT REPORT. XXXX. XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$7600.00} Status : Closed / Derogatory / Collection / Charge-off Violations of 15 U.S.C. 1681s-2 for reporting inaccurate and unverifiable information. Account marked Closed yet still reported as Collection/Chargeoff with a balance of {$7600.00} and derogatory status. These contradictions are misleading and unlawful. DELETE FROM MY CREDIT REPORT. XXXX. XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$5400.00} Status : Closed / Derogatory / Collection / Charge-off Violations of 15 U.S.C. 1681s-2 for reporting inaccurate and unverifiable information. Account marked Closed yet still reported as Collection/Chargeoff with a balance of {$5400.00} and derogatory status. These contradictions are misleading and unlawful. DELETE FROM MY CREDIT REPORT. Provide me with a written confirmation of deletion within 30 days. If you fail to comply, I will pursue legal remedies under FCRA 616 & 617, including damages, attorneys fees, and punitive relief.

Company response to consumer: Closed with explanation