Consumer complaint received 2025-10-20 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:
Background and Context This is a formal second-round dispute and complaint regarding the XXXX XXXX account ( Ref. XXXX ), which continues to be reported inaccurately despite prior disputes. 

The account was never authorized, verified, or validated under the Fair Debt Collection Practices Act ( FDCPA ), yet all three credit bureaus continue to list it with false, re-aged, and contradictory data. 

These inconsistencies clearly demonstrate violations of the Fair Credit Reporting Act ( FCRA ), FDCPA, and CFPB compliance standards regarding accuracy, verification, and consumer notification. 

Key Inconsistencies and Violations Re-Aged Account ( Illegal Under FCRA 623 ( a ) ( 5 ) ) Date Opened is reported as XX/XX/year>, suggesting a brand-new collection, yet the Last Activity is listed as XX/XX/year>, only eight months later.

No original creditor or prior billing history is shown.

This is a clear attempt to re-age a debt to extend its reporting period beyond the seven-year limit allowed by law.

False and Contradictory Data Between Bureaus Equifax : Closed XXXX  : Closed XXXX  : Open A debt can not legally be both closed and open simultaneously. 

Impossible Dates and Fabricated Reporting Activity Start Date : XX/XX/year> Last Reported : XX/XX/year> The tradeline was allegedly reported before it even started, which is chronologically impossible and violates FCRA 1681e ( b ).

No Validation of Debt Ownership No documentation or written notice proving that TEK Collect owns or has been assigned the alleged {$2300.00} debt has ever been provided.

Reporting unverifiable debt violates FDCPA 809 ( b ) and FCRA 623 ( a ) ( 1 ) ( A ).

Failure to Report Accurate Dispute Status Although this account was previously disputed ( as shown in system notes ), it is not properly marked as consumer disputes this account.

This omission violates FDCPA 807 ( 8 ) and FCRA 623 ( a ) ( 3 ).

Legal Violations FCRA Violations 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy of reported information.

15 U.S.C. 1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 5 ) ( A ) - ( B ) Re-reporting or reinserting information without certification or notice to the consumer.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate.

15 U.S.C. 1681s-2 ( b ) Failure to correct and update inaccurate data after being notified of a dispute.

15 U.S.C. 623 ( a ) ( 5 ) Illegal re-aging of an account to manipulate credit timelines.

FDCPA Violations 15 U.S.C. 1692e ( 2 ) ( A ) False representation of the character, amount, or legal status of a debt.

15 U.S.C. 1692e ( 8 ) Failure to communicate that a disputed debt is disputed.

15 U.S.C. 1692f ( 1 ) Collection of amounts not authorized by contract or law.

15 U.S.C. 1692d Harassing and deceptive practices through false reporting and continued damage to consumer credit.

Consumer Rights Under the FCRA and FDCPA, I have the legal right to : Receive verification and validation of any alleged debt before it is reported or collected.

Have unverifiable or inaccurate information deleted from my credit reports.

Be notified in writing if deleted data is reinserted by any CRA.

Seek damages for negligent or willful violations of the FCRA and FDCPA.

Company response to consumer: Closed with explanation