Consumer complaint received 2025-02-23 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute & Immediate Deletion Request National Credit Adjusters ( Account # XXXX ) To Whom It May Concern, This letter is a formal dispute of the inaccurate, inconsistent, and unverifiable information being reported by Equifax and Experian regarding the account from XXXX XXXX XXXX ( XXXX ), Account # XXXX. The reporting of this account is not only contradictory but appears to be blatantly inaccurate, violating my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq.

Inconsistencies & Violations That Require Immediate Deletion 1. Impossible Payment History & Opening Date Discrepancy o Equifax reports my last payment as XX/XX/XXXX, yet claims the account was not even opened until XX/XX/XXXX. 
XXXX How can a payment be made on an account that didnt exist yet? This is clear evidence of inaccurate reporting and an FCRA violation.

2. False Late Payment & Charge-Off Reporting o The account is reported as 120 days late yet also charged off this is contradictory and must be corrected. A charged-off account is no longer eligible for delinquency reporting in the same way as an open trade line. Equifax and Experian must immediately delete this erroneous entry.

3. Failure to Report Accurate Data in Compliance with FCRA ( 15 U.S.C. 1681e ( b ) ) o The FCRA requires credit bureaus to maintain accurate and complete records.

This account contains conflicting, unverifiable information, demonstrating a reckless disregard for accuracy.

4. Verification Failure ( FCRA 15 U.S.C. 1681i ( a ) ) o I demand that Equifax and Experian provide complete documentation verifying the accuracy of this account. 
o If neither bureau can provide an original signed contract, full payment history, and legitimate documentation proving this debt is valid, this account must be deleted immediately. 
Demand for Immediate Action Delete this account from my credit reports immediately due to its blatant inaccuracy and unverifiability.

Provide written confirmation of removal within 30 days, as required by federal law. 
If this account is not corrected or deleted, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney Generals office for violations of the FCRA. 
Equifax and Experian have a legal obligation to ensure reported information is accurate, verifiable, and not misleading. This account is indisputably inaccurate, and I demand its immediate removal. If your agencies fail to act, I am fully prepared to escalate this matter, including seeking legal action under FCRA 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance. 
I expect a response confirming deletion within 30 days. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation