Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Re : Formal Complaint Against XXXX XXXX XXXX XXXX XXXX XXXX  ) for Violations of XXXX, FCRA, and XXXX Account XX/XX/XXXX XXXX Dear CFPB Complaint Intake Team, I am filing this formal complaint against XXXX XXXX XXXX XXXX ( Citi ), located at XXXXXX/XX/XXXXXXXX XXXX, XXXX XXXX, SD XXXX ( phone : XXXX ), pursuant to the Consumer Financial Protection Act ( CFPA, 12 U.S.C. 5493 ) for unfair, deceptive, or abusive acts or practices ( UDAAP under 12 U.S.C. 5531 ). Citi has engaged in egregious misconduct by inaccurately reporting a charged-off account on my credit reports, failing to properly resolve a billing dispute under the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ), and violating its duties as a furnisher of information under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ). This has caused severe damage to my credit score ( FICO 8 scores of 525-556 across bureaus ), financial opportunities, and emotional distress. I demand immediate investigation, correction of my credit files, and penalties against XXXX

Specific Violations and Facts : Violation of FCBA ( 15 U.S.C. 1666 Failure to Properly Investigate and Resolve Billing Error Dispute ) : Under 1666 ( a ), Citi was required to investigate and resolve any billing error dispute within two billing cycles ( not exceeding 90 days ) upon receipt of written notice. My credit reports ( Experian and TransUnion ) explicitly note an FCBA dispute was " resolved '' but that I, the consumer, disagree. XXXX failed to provide adequate evidence of resolution, correct the alleged errors ( e.g., unauthorized charges or incorrect late fees leading to the {$17000.00} balance and {$3400.00} past due ), or temporarily suspend reporting during investigation as required by 1666 ( b ). This resulted in an improper charge-off reported as of XXXX XXXX, despite my last payment in XX/XX/XXXX. XXXX 's actions constitute a willful violation, entitling me to actual damages, statutory penalties up to {$5000.00} per violation ( under FCBA amendments ), and attorney fees. 



Violation of FCRA ( XXXX XXXX. XXXX ( b ) Failure to Conduct Reasonable Investigation and Correct Inaccurate Reporting ) : As a furnisher, XXXX must investigate disputes received via credit bureaus and correct or delete inaccurate information within 30 days ( 1681s-2 ( b ) ( 1 ) ). Despite my prior dispute ( noted on reports as " resolved ; consumer disagrees '' ), XXXX continues to report this account as charged off with late payments ( e.g., XXXX days late from XXXX XXXX ), without verifying accuracy. This reporting is factually inaccurateI dispute the validity of the debt, the late payment history, and the charge-off status, as it stems from unresolved billing errors. XXXX 's failure to delete or correct this item violates 1681s-2 ( a ) ( 1 ) ( prohibiting furnishing known inaccurate information ) and 1681s-2 ( b ), making them liable for actual damages ( e.g., denied credit ), statutory damages up to {$1000.00} per violation ( 1681n ), and punitive damages for willful noncompliance. 



Violation of CFPA ( 12 U.S.C. 5531 Unfair, Deceptive, or Abusive Acts or Practices - UDAAP ) : XXXX 's practices are unfair ( causing substantial injury not outweighed by benefits, 5531 ( c ) ) and deceptive ( misleading reporting of a disputed debt as valid charge-off, leading to credit harm ). By closing the account at their request ( per Experian/Equifax reports ) and charging it off without resolving my dispute, XXXX abused its position, violating UDAAP standards. This has prevented me from obtaining credit, housing, or employment, causing foreseeable harm.

Company response to consumer: Closed with non-monetary relief