Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
I am writing to formally dispute the information being reported by Equifax under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I request that you immediately investigate and correct the following inaccuracies on my credit report as they may violate provisions of the FCRA. Additionally, there is a potential Data Breach related to these inaccuracies, and I request a thorough investigation into this matter. 
Disputed Accounts : XXXX. XXXX Account XXXX : XXXX * * * * * * * * * * * Disputed Issue : Incorrect reporting of late payments, inaccurate balance. The balance is overstated, and the payment status is incorrect. 
XXXX. XXXX Account XXXX : XXXX * * * * * * * Disputed Issue : Incorrect status and reporting of past due amount. The account status should be " paid '' or " current '' based on prior communications, but it is marked " late. '' XXXX. XXXX XXXX XXXX Original Creditor : XXXX XXXX Account XXXX : XXXX * * * * * * * Disputed Issue : The balance is reported incorrectly, and there is a delay in updating payment status. The account shows a higher balance than what was actually owed and paid. 
XXXX. XXXX XXXX XXXX Account Number : XXXX * * * * * * * Disputed Issue : Incorrect charge-off status and balance. The account is reported as " charged off, '' but I have not received proper verification of this. 
XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX * * * * * * * * * * * Disputed Issue : The reported balance is inconsistent with the last payment made. The balance should be lower based on previous payment records, but it remains inflated. 
FCRA Violations : Inaccurate Reporting ( 15 U.S.C. 1681e ( b ) ) The information being reported regarding the accounts listed above is outdated, inaccurate, or incomplete. This violates the FCRA, which mandates that all information reported by credit reporting agencies must be accurate, complete, and current.

Failure to Correct Inaccuracies ( 15 U.S.C. 1681i ( a ) ) Despite my previous disputes regarding these accounts, the information has not been corrected within the time frame specified by the FCRA ( 30 days ), indicating non-compliance. 
XXXX XXXX Consideration ( FCRA 1681g ) As these discrepancies affect my ability to properly manage my credit, they may be the result of a data breach, either within the credit reporting process or by one of the creditors. I request that you investigate this possibility and provide an explanation for how my sensitive personal information may have been compromised. 
Requested Action : Investigation : I request that you immediately conduct a thorough investigation into the inaccuracies outlined above and provide a detailed report of your findings. 
Corrections : Please correct the inaccuracies and update my credit report accordingly. Specifically, ensure that the balance, payment history, and account status reflect the true and accurate information. 
Revalidation of XXXX XXXX : Please confirm whether there has been any unauthorized access or data breach concerning my credit file. If there is evidence of a breach, I ask that you notify me and take appropriate action to secure my credit information.

Company response to consumer: Closed with explanation