Consumer complaint received 2025-03-17 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: AZ

Complaint narrative:
In accordance with my rights under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) ), I am once again requesting a detailed description of the procedures you followed to investigate the accuracy of the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reported as Charge-Off. Below, I have listed the discrepancies found in Equifaxs report that require correction or, if unverifiable, the immediate removal of this account from my credit history. 

XXXX. Inconsistencies in High Credit XXXX : {$39000.00} Equifax : {$13000.00} Legal Basis : Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy. Such a large difference in the High Credit figure indicates that at least one piece of data is inaccurate or can not be verified. 

Request : Perform a manual verification directly with the original creditor to confirm the correct figure. 
If you can not verify the correct amount definitively, immediately remove this account from my Equifax report. 
XXXX. Inconsistencies in Monthly Payment XXXX : {$710.00} monthly payment Equifax : {$0.00} monthly payment Legal Basis : Pursuant to FCRA 1681s-2 ( a ) ( 1 ) ( A ), data furnishers are prohibited from reporting inaccurate information. Reporting a monthly payment of {$0.00} contradicts XXXX  {$710.00}, creating a misleading picture of my true obligation.

Request : Provide verifiable documentation that supports the actual monthly payment, or Remove the account if its accuracy can not be confirmed. 
XXXX. Discrepancies in Last Reported Date XXXX  : XX/XX/year> Equifax : XX/XX/year> Even minor differences in reporting dates can affect how my account is evaluated. Incorrect dates may unfairly prolong the negative impact on my credit file.

Legal Basis : FCRA 1681i requires credit bureaus to conduct reasonable reinvestigations of disputed information. If a wrong date extends the length of time that negative information appears, it constitutes noncompliance. 

Request : Provide documentary evidence verifying the correct date. 
If unable to corroborate it consistently, remove the inaccurate information. 
4. Contradictory Charge-Off Comments Equifax : Consumer disputes reinvestigation in progress. Charged off account. 
XXXX ( for comparison ) : Charged off as bad debt. Canceled by credit grantor. 
Discrepancies in the accounts charge-off status could mislead potential creditors. 

Legal Basis : Under UDAAP ( 12 U.S.C. 5531 ), financial institutions and credit bureaus must avoid ambiguous or misleading reporting.

Request : Clarify and unify the Charge-Off description based on verifiable evidence.

If no documentation exists to ensure consistent reporting, remove the entry.

5. Payment History Showing OK vs. Charge-Off Equifaxs report shows multiple months marked OK ( current ) while simultaneously listing a Charge-Off status. This contradiction is potentially inaccurate. 

Legal Basis : FCRA 1681s-2 ( a ) prohibits reporting information that is known to be inaccurate. It is impossible for the account to be both OK in some months and in charge-off status if it was, in fact, delinquent.

Request : Immediately correct Equifaxs payment history to accurately reflect the loan status, or Remove the account if the information can not be verified consistently.

Legal Obligations and Deadlines In my previous communication dated XX/XX/year>, I requested verification and correction of inaccurate information. 
Under FCRA 1681i ( a ) ( 7 ), you have 15 days from receipt of my dispute to provide a detailed description of your investigation procedures. To date, I have not received the required explanation or documentation to support the accuracy of this data.

Relevant Legal Sections FCRA 1681e ( b ) : Credit bureaus must maintain reasonable procedures to ensure maximum accuracy in their reports.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits data furnishers from knowingly reporting false or inaccurate information.

FCRA 1681i : Grants consumers the right to request reinvestigations of disputed information and receive clear results. 
FCRA 1681i ( 5 ) : Any data that can not be verified or is found to be inaccurate must be deleted immediately.

UDAAP ( 12 U.S.C. 5531 ) : Prohibits deceptive practices in financial services, including confusing or contradictory credit reporting.

Actions Required Detailed Description of the Investigation Pursuant to FCRA 1681i ( a ) ( 7 ), I demand a clear and complete explanation of the methods used ( not just automated systems ) to verify the data Equifax reports on the XXXX XXXX XXXX XXXX  ) ** account. 

Correction or Removal of the Account If you can verify all the data ( high credit, last payment date, last reported date, monthly payment amount, payment history, etc. ), please update my file with the exact, correct information. 
If any of the information remains questionable, inaccurate, or unverifiable, I demand the immediate removal of the account from my credit report to avoid unwarranted damage to my credit standing.

15-Day Compliance If I do not receive the investigation description or the corresponding correction/deletion within 15 days as stipulated by the FCRA, I will conclude that the information can not be verified and will require the immediate removal of the account. 

Notice of Potential Legal Action Should you fail to comply, I reserve the right to : Initiate legal proceedings, including claims in local or federal courts, seeking damages for FCRA violations, defamation of character, and negligence. 
Conclusion Thank you for your prompt attention to this matter. I expect your written response to meet the requirements set forth by the FCRA and other applicable laws.

Company response to consumer: Closed with explanation