Consumer complaint received 2025-12-25 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: FL

Complaint narrative:
I am a Florida resident and a consumer protection attorney. I am submitting this complaint regarding multiple tradelines appearing on my consumer credit reports that are inaccurate, internally inconsistent, improperly verified, re-aged, and reported without lawful authority. 

Across multiple accounts, consumer reporting agencies and data furnishers have reported conflicting balances, contradictory account statuses ( including paid or zero-balance accounts reported as charge-offs or collections ), and improper date reported updates years after closure that function as re-aging. Several accounts are marked not disputed or dispute resolved despite unresolved disputes and without my consent or explanation. 

Despite notice of these defects, the consumer reporting agencies continue to report the information as verified, and furnishers continue to certify accuracy without conducting a meaningful investigation or reconciling material inconsistencies across bureaus. 

These practices violate the Fair Credit Reporting Act ( FCRA ) and independent Florida consumer-protection statutes that are not preempted by the FCRA.

LEGAL VIOLATIONS Federal Law Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy, as shown by materially inconsistent reporting across Equifax, TransUnion, and Experian.

15 U.S.C. 1681i ( a ) ( 1 ) Failure by consumer reporting agencies to conduct a reasonable investigation after receiving disputes. Verification appears automated and superficial, with no reconciliation of contradictions.

15 U.S.C. 1681s-2 ( b ) ( 1 ) Failure by furnishers to conduct a reasonable investigation after receiving notice of disputes from consumer reporting agencies.

15 U.S.C. 1681c ( f ) and 1681s-2 ( a ) ( 3 ) Failure to properly report accounts as disputed and improper suppression or unilateral resolution of disputes.

Florida State Law ( Independent and Not Preempted ) Fla. Stat. 559.72 ( 5 ) Disclosure of information affecting my credit reputation to third parties while knowing or having reason to know the information is false.

Fla. Stat. 559.72 ( 6 ) Disclosure of disputed debts to consumer reporting agencies without disclosing that the debts are disputed.

Fla. Stat. 559.72 ( 9 ) Assertion of a legal right to collect or report debts without lawful authority, including reporting after payment, transfer, or without proof of ownership.

Fla. Stat. 559.715 Failure by assignees or debt buyers to provide the required written notice of assignment prior to collection or reporting.

Fla. Stat. 501.204 ( FDUTPA ) Deceptive and unfair practices by representing disputed and internally inconsistent information as verified without a meaningful investigation.

These violations have caused credit score suppression, loss of credit opportunities, reputational harm, and significant time and expense to correct unlawful reporting.

Company response to consumer: Closed with explanation