Consumer complaint received 2025-11-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX Sunrise, FL XXXX Date : XX/XX/XXXX Subject : Formal Dispute and Demand for Correction of Inaccurate Credit Reporting Capital XXXX Account number : XXXX ________________________________________ To Whom It May Concern : I, XXXX XXXX XXXX XXXX submitting this formal dispute and demand for correction regarding the inaccurate reporting of my Capital XXXX credit card account by the credit reporting XXXX TransUnion XXXX Experian, and Equifax, XXXX well as by XXXX  XXXX as the furnisher. 

Upon reviewing my credit reports, I have identified significant discrepancies, outdated updates, and unlawful reporting, constituting violations of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
________________________________________ I. Account Information in Dispute Creditor : XXXX  XXXX Account Number ( partial ) : XXXX * * * * / XXXX Account Type : Revolving Credit Card Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Reported Balance : {$1000.00} Credit Limit : {$850.00} Reported Status : Charge-off / Closed by XXXX XXXX Date Updated : XX/XX/XXXX ( TransUnion and Equifax ) XXXX XX/XX/XXXX ( Experian ) ________________________________________ II. Legal and Factual Basis for Dispute XXXX. Violation of FCRA XXXX ( a ) ( XXXX ) ( A ) Reporting Inaccurate and Misleading Information The account is reported as charged off but continues to show active balance past due after closure. Reporting information known to be inaccurate violates XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ). 
XXXX. Violation of FCRA XXXX ( a ) ( XXXX ) Inconsistent Date of XXXX XXXX Equifax lists XX/XX/XXXX as the first delinquency date, but this is not consistently reported. Inaccurate XXXX violates XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) and can unlawfully extend the reporting period. 
XXXX. Violation of FCRA XXXX ( a ) ( XXXX ) and XXXX ( b ) Reporting Obsolete or Inaccurate Information Updating a closed account in XXXX after last activity in XXXX constitutes unlawful re-aging, violating XXXX U.S.C. XXXX ( a ) ( XXXX ) and XXXX ( b ). 
XXXX. Violation of FDCPA XXXX ( XXXX ) ( A ) False Representation of Debt Status Reporting a charged-off account as past due misrepresents the legal status, violating XXXX U.S.C. XXXX ( XXXX ) ( A ). 
XXXX. Violation of FCRA XXXX ( a ) Right to Dispute and Reinvestigation I am entitled to a full reinvestigation within 30 days. Unverified information must be promptly deleted under XXXX ( a ) ( XXXX ) ( A ). 
________________________________________ XXXX. DEMAND FOR ACTION I demand the CFPB ensure compliance with FCRA and FDCPA by XXXX XXXX and the credit bureaus. 
XXXX. Conduct a formal reinvestigation. 
XXXX. Verify accuracy and first delinquency date directly with XXXX XXXX. 
XXXX. Remove or correct inaccurate, outdated, or unverifiable information. 
XXXX. Provide written confirmation of corrections made. 
XXXX. Ensure no re-aging or reinsertion of inaccurate data under FCRA XXXX ( a ) ( XXXX ) ( B ). 
________________________________________ XXXX. Conclusion The continued inaccurate reporting of this account constitutes a violation of federal consumer protection law and has caused measurable harm to my credit standing. I insist on immediate remedial action under FCRA ( XXXX U.S.C. XXXX et seq. ) and FDCPA ( XXXX U.S.C. XXXX et seq. ). 

Failure to comply will compel me to pursue legal remedies and file a formal complaint for willful noncompliance under FCRA XXXX and XXXX. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief