Consumer complaint received 2025-10-24 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: TX

Complaint narrative:
Dear CFPB Representative, I am submitting this complaint concerning multiple derogatory accounts being reported inaccurately across my credit reports. These accounts contain contradictory statuses, reinserted deletions, false balances, and unverified data in violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Title 15 of the XXXX XXXX Code ( USC ).

Despite prior disputes, the furnishers and credit reporting agencies ( CRAs ) continue to report inaccurate, unverifiable, and misleading information. This behavior constitutes willful noncompliance under 15 U.S.C. 1681n, 1681o, 1692e, and 1681s-2 ( b ).

I respectfully request the immediate removal of all inaccurate and unverifiable accounts, full written investigation documentation, and financial compensation for damages as provided under federal law. 

1. XXXX XXXX  XXXX Balance : {$810.00} | Limit : {$550.00} | Status : Charge-Off Violations Identified : Reporting a balance exceeding the credit limit, creating an inaccurate utilization ratio. 

Conflicting late-payment data ( 0 % on-time vs 100 % on-time ). 

Re-aging of account activity dates. 

Reinsertion of deleted data without notice to consumer.

Statutory Violations : FCRA 607 ( b ) Failure to ensure accuracy.

FCRA 611 ( a ) ( 5 ) ( B ) Illegal reinsertion without 5-day notice.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate information.

FDCPA 807 ( 2 ) ( A ) False representation of amount owed.

FCRA 611 ( a ) ( 1 ) ( A ) Verification failure after dispute. 

Requested Resolution : Permanent deletion of all XXXX XXXX tradelines from all bureaus and {$5000.00} in statutory damages for willful noncompliance. 

2. XXXX XXXX XXXX XXXX Balance : {$0.00} | Status : Charge-Off / Sold Account XXXX XXXX  Violations Identified : Contradictory statuses ( Sold vs Charged-Off ). 

Continuing to report {$0.00} balance as derogatory. 

False late-payment notations. 

Statutory Violations : FCRA 607 ( b ) Inconsistent and unverifiable data.

FCRA 623 ( a ) ( 2 ) Failure to update sold status.

FDCPA 807 ( 10 ) Deceptive representation of active derogatory.

Requested Resolution : Immediate deletion of the XXXX account and {$3000.00} in compensation. 

3. XXXX XXXX XXXX Balance : {$10000.00} | Original Balance : {$11000.00} | Status : Charge-Off Violations Identified : Duplicate entries across CRAs with differing statuses ( Open vs Closed ). 

Contradictory payment data ( 0 lates vs 3 lates ).

Continued reporting of a disputed account.

Statutory Violations : FCRA 623 ( a ) ( 1 ) ( A ) Furnishing false data.

FCRA 607 ( b ) Inconsistent reporting.

FCRA 605 ( a ) ( 5 ) Re-aging delinquency.

FDCPA 807 ( 8 ) Failing to identify account as disputed. 

Requested Resolution : Deletion of all XXXX XXXX entries and {$4000.00} compensation. 

4. XXXX XXXX XXXX ( XXXX XXXX  ) Balance : {$630.00} | Status : Collection / Charge-Off Violations Identified : Duplicate listing under multiple collector names. 

Re-aged activity dates ( XXXX ). 

Conflicting payment percentages ( 0 % vs 100 % ). 

Statutory Violations : FCRA 607 ( b ) Duplicate and conflicting data.

FCRA 623 ( a ) ( 1 ) ( D ) Reporting disputed information.

FDCPA 807 ( 2 ) ( A ) False balance/status reporting.

FCRA 605 ( c ) Re-aging delinquent data.

Requested Resolution : Immediate deletion of all XXXX  listings and {$4000.00} compensation. 

5. XXXX XXXX XXXX Balance : {$930.00} | Status : Collection / Charge-Off Violations Identified : Open and Charged-Off reported simultaneously. 

Activity re-aged across reports. 

Dispute flags inconsistently shown. 

Statutory Violations : FCRA 607 ( b ) Reporting inconsistencies.

FCRA 623 ( a ) ( 1 ) ( A ) False furnishing.

FDCPA 807 ( 2 ) ( A ) Misrepresentation.

FCRA 611 ( a ) Verification failure post-dispute. 

Requested Resolution : Delete all XXXX tradelines and provide {$4000.00} compensation. 

6. XXXX XXXX XXXX ( XXXX ) Balance : {$5200.00} | Status : Collection Violations Identified : Conflicting Open vs Charged-Off data. 

Disputed account verified without investigation evidence. 

Re-aged activity date ( reported as active in XXXX  ). 

Statutory Violations : FCRA 607 ( b ) Inaccurate data maintenance.

FCRA 611 ( a ) ( 1 ) Verification failure.

FDCPA 807 ( 10 ) False representation of collection status. 

Requested Resolution : Delete all XXXX listings and provide {$3000.00} compensation. 

7. XXXX XXXX XXXX ( Total Card XXXX XXXX XXXX  ) Balance : {$460.00} | Status : Charge-Off / Collection Violations Identified : Duplicated account under different collector names. 

Re-aged dates of delinquency. 

False Unpaid balance remark despite {$0.00} balance. 

Statutory Violations : FCRA 623 ( a ) ( 1 ) ( A ) False and duplicative reporting.

FCRA 605 ( a ) ( 5 ) Re-aging account data.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of balance and status.

Requested Resolution : Permanent deletion and {$3000.00} compensation. 

8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$790.00} | Status : Collection Violations Identified : Inconsistent statuses ( Refinanced, Charge-Off, Collection ). 

Multiple collector name entries. 

Lack of proof of authorization to collect.

Statutory Violations : FDCPA 807 ( 2 ) ( A ) False representation.

FCRA 607 ( b ) Conflicting bureau data.

FDCPA 808 ( 1 ) Unfair practice by duplicating derogatories.

Requested Resolution : Immediate deletion and {$3000.00} compensation.These furnishers and reporting agencies have repeatedly violated the FCRA, FDCPA, and 15 U.S.C. 1681n, 1681o, and 1692e by reporting false, outdated, and reinserted data. Their actions have caused measurable financial harm, emotional XXXX, and credit denials.

I am requesting the CFPBs intervention to compel deletion of all listed accounts, order statutory damages, and require retraining or corrective action for these furnishers.

Thank you for your attention and support in upholding federal credit reporting standards.

Company response to consumer: Closed with non-monetary relief