Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute multiple inaccurate, outdated, and inconsistent items that have been reported on my credit file by your agency. These entries are not only incorrect but have resulted in significant financial and emotional harm to me and my family, constituting a violation of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and related federal protections.

Accounts in Question XXXX XXXX XXXX XXXX XXXX XXXX inconsistent account updates reported, including conflicting charge-off statuses, unexplained balance increases post-charge-off, and payment history discrepancies that defy logic and FCRA standards. 

XXXX XXXX XXXX XXXX ( XXXX ) : Repetitive monthly charge-off reporting beyond the charge-off date, artificially damaging my score and appearing to re-age the debta prohibited practice. 

XXXX XXXX : Account reinserted on my report after prior removal, with no notification or reinvestigation letter as required by FCRA 611 ( a ) ( 5 ) ( B ). 

XXXX XXXX XXXX XXXX XXXX : Reports a past due amount on a closed, fully paid secured cardthis is categorically incorrect and misleading. 

XXXX Department of Education : Reports as closed by consumer, which is false and does not reflect the true nature of the federal student loans closure or consolidation. 

These misrepresentations, inconsistencies, and data integrity failures violate the following legal standards : Violations of the FCRA : Section 602 ( A ) : Failure to ensure accuracy and fairness in credit reporting.

Section 607 ( B ) : Lack of reasonable procedures to assure maximum possible accuracy.

Section 611 ( A ) ( 1 ) ( A ) : Failure to conduct proper reinvestigation and correct or delete inaccurate information within 30 days.

Section 611 ( A ) ( 5 ) ( B ) : Failure to notify me of reinsertion of previously removed information. 

Violations of the FDCPA & Other Concerns : Improper re-aging of debts Incomplete or duplicated tradeline reporting Failure to properly investigate disputes Continued reporting of accounts in a manner that is patently misleading These issues are materially damaging and have already impacted my ability to secure housing, employment, and fair financial products for myself and my family. 

Relief Sought : I demand the immediate deletion or permanent correction of the aforementioned accounts and any associated negative reporting from all versions of my credit file across all three bureaus. I am requesting written confirmation of the removal or full correction within XXXX business days from receipt of this notice. 

Notice of Intent : Should these inaccuracies not be resolved in full and in accordance with the laws cited above, I will pursue the following actions without further notice : Filing formal complaints with the CFPB, FTC, XXXX and my states Attorney General. 

Seeking legal counsel to initiate a civil claim for damages under the FCRA and FDCPA, citing willful noncompliance and negligent reporting. 

Requesting punitive damages due to the egregious nature of the repeated reporting failures and lack of procedural safeguards. 

I am attaching all relevant supporting documentation, including prior disputes, identity verification, credit reports, and a breakdown of the erroneous data for each account. 

This letter serves as a formal notice and demand for compliance. Please update my credit file and provide written confirmation of the results of your reinvestigation to my address listed above.

Company response to consumer: Closed with non-monetary relief