Consumer complaint received 2025-05-31 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: PA

Complaint narrative:
XXXX XXXX Bank is reporting a derogatory, charged-off credit card account with a {$130.00} balance, last reported in XX/XX/XXXX. This tradeline is inaccurate, unverifiable, potentially obsolete, and legally misleading. It violates multiple provisions of the Fair Credit Reporting Act ( FCRA ) and must be removed immediately. 5 U.S.C. 1681e ( b ) XXXX XXXX This tradeline is reported with conflicting and incomplete payment history across credit bureaus : Some months show OK even after charge-off. XXXX is low, but account is still marked as derogatory, causing major score harm. Status is inconsistent with the historical timeline. This is misleading and materially inaccurate. 15 U.S.C. 1681i ( a ) Inadequate Reinvestigation This account was previously disputed. The response marked it as verified without any : Documentation of original agreement, Account ledger or charge-off record, Explanation of date of first delinquency ( DOFD ). If this verification was completed through the e-Oscar system, it violates the FCRA 's requirement for a meaningful reinvestigation. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Duty to Report Accurate Information First Premier is knowingly furnishing data that contains : Conflicting or impossible payment statuses, Possibly re-aged dates, Incomplete historical activity. 15 U.S.C. 1681c ( a ) ( 5 ) Obsolete Accounts The account lacks a clear date of first delinquency ( DOFD ). If XXXX occurred in XXXX or earlieras is likely based on the timelinethis tradeline is now obsolete and must be deleted immediately. Continued reporting beyond 7 years is illegal. 15 U.S.C. 1681g ( a ) ( 1 ) Full File Disclosure I have not received any proof of : The XXXX, A complete transaction record, The method of verification after dispute. Failure to provide this information upon dispute is a denial of my right to full file disclosure. 15 U.S.C. 1681i ( 6 ) Failure to Notify of Investigation Results After disputing this account, I was not provided with any written explanation of the basis of verificationonly that it was verified. This is a violation of FCRA and deprives me of the right to meaningful dispute resolution. 5 U.S.C. 1681a ( k ) ( 1 ) ( B ) ( ii ) Adverse XXXX XXXX to report this account as derogatory and charged-offwhen it is unverified, inconsistent, and likely obsoleteconstitutes an adverse action that affects my creditworthiness. No adverse action notice was provided. 15 U.S.C. 1681n Willful Noncompliance This isnt a clerical error. Its a systemic pattern of reporting misleading and outdated data with full knowledge of legal obligations. I reserve the right to pursue monetary damages and legal action for each willful violation. The account shows last payment activity in XXXX. The account is actively damaging my file despite being small, disputed, and lacking legal documentation. Payment history conflicts with charge-off statusthis is either an error or intentional re-aging. Demands : Permanent deletion of the XXXX XXXXXXXX XXXX XXXX from all credit bureaus Full disclosure of : XXXX ( Date of First Delinquency ), Original contract, Charge-off ledger and timeline, Method of verification used. Immediate FCRA enforcement for any party refusing to correct or delete this unlawful account.

Company response to consumer: Closed with non-monetary relief