Consumer complaint received 2025-08-25 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: IL

Complaint narrative:
b'Credit Dispute Letter  Equifax\nDate: XXXX XXXX XXXXFrom:XXXX XXXXDate of BirthXXXX XXXXSSN: XXXX XXXX XXXX XXXX XXXX XXXX\nTo:\nEquifax Information Services LLC\XXXX XXXX XXXX XXXX XXXXXXXXRe: Formal Dispute of Inaccurate Accounts on Credit File\nPursuant to 15 U.S.C. 1681i  Fair Credit Reporting Act (FCRA)\nTo Whom It May Concern,\nI am formally disputing the accuracy of several accounts appearing on my Equifax credit file. Under the FCRA, you are required to ensure all information is 100% accurate, verifiable, and complete. The following accounts contain multiple errors and contradictions. Proof of these inaccuracies is attached.\n1 Discover Card  Account XXXX  Balance: XXXXnHigh Balance inconsistent: XXXX XXXX XXXX XXXX XXXX XXXXXXXXDate of Last Activity reported as XXXX, which conflicts with other bureaus.\nDate Reported XXXX, inconsistent with XXXX  dates.\nCreditor Remarks inconsistent across bureaus.\nPayment history shows lates through XXXX XXXX, inconsistent with others.\XXXX XXXX  Account XXXX  Balance: XXXXHigh Balance inconsistent: XXXX XXXX XXXX XXXX XXXX XXXX\nDate of Last Activity reported as XXXX, earlier than XXXXDate Reported as XXXX   one year later than XXXX suggesting re-aging.\nCreditor Remarks inconsistent: XXXX XXXX Charged off/transferred or sold, XXXX show different language.\nLast Payment reported as XXXX conflicting with XXXX XXXXPayment history inconsistent with other bureaus.XXXX XXXX XXXX XXXX XXXX  Account #XXXX   Balance: XXXX\nHigh Balance inconsistent: XXXX XXXX XXXX XXXX XXXX XXXXDate of Last Activity reported as XXXX, conflicting with XXXXDate Reported XXXX, inconsistent with XXXXCreditor Type listed as Miscellaneous Finance, while others list Bank Credit Cards.\nLast Payment reported as XXXX conflicting with XXXXPayment history shows lates through XXXX XXXX  inconsistent with XXXX XXXX XXXX XXXX  Account #XXXX  Balance: XXXXHigh Balance inconsistent: XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXDate of Last Activity reported as XXXX, conflicting with XXXXDate Reported XXXX, later than XXXX  (suggests re-aging).\nCreditor Type listed as National Credit Card Companies, inconsistent with XXXXCredit Limit reported as XXXX while XXXX  show XXXXPayment history inconsistent with XXXX XXXX XXXX XXXX XXXX XXXX   Balance: XXXXOnly appears on Equifax (not reported by XXXX or XXXX).\nDate of Last Activity reported as XXXX which predates the Date Opened of XXXX  impossible.\nAccount Status shows Open, but Payment Status shows Late 120 days and Creditor Remarks = Collection account. A collection cannot be open.\nMisclassified as Factoring Companies, which is inaccurate for a consumer account.\nMissing data: no closed date, no credit limit, no payment history.\n FCRA Demand\nUnder 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation. If you cannot resolve these factual inaccuracies with proper documentation, you must delete these accounts entirely.\nAdditionally, I demand that you provide:\nThe method of verification used for each account listed.\nThe name, title, and contact information of the individual who verified each account.\nConfirmation that these disputes were not processed solely through the automated e-OSCAR system, but reviewed by a live investigator.\nAttached are copies of my credit report highlighting these inaccuracies as proof.\nContinuing to report unverifiable or inconsistent information will be considered willful noncompliance under the FCRA and subject to damages under 15 U.S.C. 1681n.\nRequested Action\nConduct a full reinvestigation.\nProvide verification details and documentation.\nPermanently delete these accounts if they cannot be verified with complete accuracy.\nThis is a legal demand, not a request.\nSincerely,\nRandell Reese'

Company response to consumer: Closed with non-monetary relief