Consumer complaint received 2025-09-05 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: TN

Complaint narrative:
I am filing this formal complaint regarding numerous inaccuracies, misreporting, and unlawful practices reflected on my credit reports. These accounts are causing severe and unjust harm to my financial reputation, my ability to secure housing, credit, and fair opportunities. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I am entitled to accurate, complete, and verifiable information on my credit file. Any failure to ensure accuracy and proper investigation is a direct violation of federal law.

The following accounts are at issue : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off.

This account is being reported as a charge-off despite showing a {$0.00} balance, which is misleading and in violation of FCRA accuracy standards. Reporting a {$0.00} balance with derogatory status is inconsistent and damaging. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$160.00} Charge Off.

This account has not been validated as required under FDCPA 15 U.S.C. 1692g. Without proper validation, continuing to report this debt constitutes unlawful collection activity. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$75.00} Late Payment. 
This date is inaccurate and impossible, as it reports a future opening date. This is a clear violation of FCRA 15 U.S.C. 1681e ( b ) requiring accurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late Payment.

Reporting a {$0.00} balance account with late payments is inaccurate and misleading. It suggests delinquency where no financial obligation exists, which is unlawful. 

XXXX XXXX ( multiple accounts ) Date Opened : XX/XX/XXXX and XX/XX/XXXX Balances ranging from {$260.00} to {$3600.00} Charge Offs. 
These duplicate entries for the same creditor appear to be re-aged and reported multiple times. Duplicate reporting for the same obligation is a violation of FCRA 1681s-2 and artificially inflates derogatory impact. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Charge Off.

Reporting a charged-off account with a {$0.00} balance is misleading, inaccurate, and creates unnecessary harm. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$720.00} Collection. 
This account has not been validated, and XXXX has a history of improper collection activity. Under FDCPA 807 and 809, reporting or attempting to collect without validation is unlawful. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$550.00} Collection. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$430.00} Collection.

Two separate entries for the same creditor appear duplicative. This violates FCRA 1681e ( b ) requiring maximum possible accuracy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$380.00} Collection.

This appears to be a duplicate collection account from XXXX, again reported inaccurately. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$110.00} Collection.

This account has not been validated under FDCPA, making the reporting unlawful. 

XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$280.00} Collection.

This account shows a future date of opening, which is impossible and violates FCRA accuracy provisions. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Collection.

Reporting an unknown account with {$0.00} balance as a collection item is inaccurate, unverifiable, and a violation of FCRA 611 requiring full investigation.

These inaccurate, duplicative, and unverifiable accounts represent violations of FCRA, FDCPA, and CFPB guidelines. The reporting agencies and furnishers are responsible for correcting or deleting inaccurate information. Continuing to report false or unverifiable data subjects them to legal liability.

Company response to consumer: Closed with non-monetary relief