Consumer complaint received 2025-07-23 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: MI

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Complaint Type : * * Credit Reporting - Fair Credit Reporting Act ( FCRA ) Violations * * Credit Bureau ( s ) : * * I am filing this complaint against Experian Information Solutions , Inc. for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C . 1681 et seq. The credit reporting agency has failed to maintain reasonable procedures to ensure maximum possible accuracy of consumer credit information and has failed to conduct proper investigations of disputed information. 


# # # 1. Violation of FCRA Section 607 ( b ) - Maximum Possible Accuracy failed to maintain reasonable procedures to ensure maximum possible accuracy by reporting : - * * Celtic Bank Account ( # XXXX ) : * * Reports both " Never late '' and " Account charged off '' simultaneously, which is contradictory and inaccurate information. 

- * * XXXX XXXX XXXX Accounts : * * Continue reporting charge-offs from XXXX without proper verification of debt validity or current ownership. 

# # # 2. Violation of FCRA XXXX XXXX - Inadequate Investigation Procedures Despite multiple disputes filed in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, - Failed to conduct reasonable investigations within the required 30-day period - Failed to provide method of verification for disputed accounts - Continued reporting unverified information after disputes # # # 3. Violation of FCRA Section 623 ( a ) ( 1 ) - Accuracy Requirements Information furnishers have provided inaccurate information that continues to report : - * * XXXX  accounts * * showing inconsistent closure dates and charge-off amounts- * * XXXX XXXX XXXX accounts XXXX XXXX showing confusing bankruptcy discharge status with ongoing charge-off reporting # # SPECIFIC ACCOUNTS IN DISPUTE | XXXX | XXXX | Inaccurate charge-off date/amount | {$470.00} | | XXXX | XXXX | Unverified debt transfer | {$2200.00} | | XXXX XXXX | XXXX | Contradictory status reporting | {$720.00} | | XXXX XXXX XXXX | XXXX XXXX XXXX accounts ) | Continued reporting post-dispute | {$640.00} & {$930.00} | | XXXX XXXX XXXX | XXXX ( XXXX accounts ) | Bankruptcy discharge confusion | Various | # # HARM SUFFERED The inaccurate credit reporting has caused me substantial harm including : 1. * * Financial Harm : * * Inability to obtain credit at reasonable terms XXXX. * * Emotional Distress : * * Stress and anxiety from inaccurate credit reporting XXXX. * * Economic Damages : * * Higher interest rates on existing credit obligations XXXX. * * Reputation Damage : * * False representation of my creditworthiness # # PREVIOUS ACTIONS TAKEN - Filed disputes in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - Provided documentation supporting dispute claims - Received inadequate responses claiming " investigation complete '' without providing verification methods- Several items marked as " disputed by consumer '' but continue to negatively impact credit score FCRA Section 607 ( b ) * * - Reasonable procedures for maximum possible accuracy - * * FCRA Section 611 * * - Procedure in case of disputed accuracy - * * FCRA Section 613 * * - Public record information for employment purposes- * * FCRA Section 623 * * - Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with non-monetary relief