Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Re : Cease and Desist / Permanent Deletion Request XXXX XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$590.00} DEMAND TO CEASE, DESIST, AND PERMANENTLY DELETE This is a formal notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692c ( c ) demanding that XXXX XXXX XXXX XXXX immediately cease all communication with me regarding this alleged debt. Any further attempts outside of the narrow exceptions allowed under the FDCPA will constitute a violation of federal law. 

Furthermore, reporting this account as Collection Charge Off with an active balance is false, misleading, and deceptive under 15 U.S.C. 1692e, and constitutes an unfair and unconscionable practice under 15 U.S.C. 1692f. Once an account is charged off and sold or transferred, the original creditor may not continue to report it as an active debt. At most, the tradeline must reflect Closed / Charged Off/ {$0.00} Balance / Transferred.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, you are prohibited from furnishing inaccurate, unverifiable, or misleading information to consumer reporting agencies. Continuing to report this account as an active collection violates this statute. 

Case Law Support for Permanent Deletion : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  credit furnisher must conduct a reasonable investigation and can not continue reporting disputed information that lacks independent verification. XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) courts held that furnishers can not continue reporting inaccurate information after notice of dispute. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) held that reporting misleading or incomplete information ( such as reporting a charged-off account with balance after transfer ) violates the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnisher liability attaches when disputed items remain reported without proper investigation or accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) inaccurate or misleading reporting constitutes actionable harm, even if the account exists. 

These cases make clear that even if an alleged debt can be validated, a creditor or furnisher can not continue to report it in a false or misleading manner. Since this account is reported as a Collection Charge Off, and therefore misleading, the only appropriate resolution is permanent deletion of the tradeline from all credit reporting agencies.

Demand : Immediate cessation of all communication under 15 U.S.C. 1692c ( c ).

Permanent deletion of this tradeline under FCRA 1681s-2 and the supporting case law above. 
Confirmation in writing that XXXX XXXX has complied with this request. 

Failure to comply will leave you liable for statutory damages, actual damages, attorneys fees, and costs under the FDCPA and FCRA.

Company response to consumer: Closed with explanation