Consumer complaint received 2025-04-14 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: MI

Complaint narrative:
Based on federal law, this account should be removed according to thelaw governing The accuracy of reporting not ownership of this list debt/account.. Based on the Federal Law designed to protect myself as the consumer this account must be removed immediately. I have found several inaccuracies and instances where this data furnisher is violating my rights and subsequently violating the law. Account name. XXXX XXXX XXXX Account Number XXXX Balance {$13000.00} Date opened XX/XX/XXXX. This account is reflecting as still open. This account was open in XX/XX/XXXX for a term of XXXX  months. As of today, the XXXX must has concluded there is no lawful reason for this account to be reported in an open status. 15 USC 1681 accuracy of reporting states any credit reporting agency must report information 100 % accurately. XXXX XXXX XXXX has continuously reopened and re-aged this account since XXXX which is unlawful. Since XX/XX/XXXX this account has been reporting each month as. XXXX  days late PER 15 U.S. Code 1666b - Timing of payments. ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Therefore the intentional inaccurate reporting of this account is illegal, and it must be removed from my consumer report. 

late payments XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX - XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Pursuant to FCRA 605B and 15 USC 1681C-two I demand that this account ( XXXX XXXX  XXXX Account Number XXXX ) be removed within four business days as permitted by federal law Account name. XXXX  XXXX XXXX XXXX  account number XXXX. 

Chargeoff Balance Error. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. This account has been paid and closed. It is reporting as paid and closed yet it is still on my consumer report. This account is reported in accurately there is no balance present and is not up-to-date. This account must be removed from my consumer report immediately, which is my right as a federal protected consumer. 



XXXX XXXX  Account Number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  account number XXXX Date opened XX/XX/XXXX Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX The previous accounts have been reflecting late payments onto my consumer report, which is a violation of my consumer rights. No interaction between a creditor and a consumer maybe communicated without my written permission Account name, XXXX XXXX XXXX XXXX XXXX l account number : XXXX Date open XX/XX/XXXX Type collection : This company is in violation of the following Laws ; 15 U.S. Code 1681a ( e ) - Definitions ; rules of construction 15 U.S. Code 1692c ( c ) - Communication in connection with debt collection 15 U.S. Code 1681b ( c ) ( 3 ) Permissible purposes of consumer reports. 15 U.S. Code 1681 q - Obtaining information under false pretenses. 18 U.S. Code 1028A - Aggravated identity theft. Until this alleged debt is validated by proof of contractual agreement it is illegal for this company To continue to furnish this alleged debt on to my consumer reports. This company may be held liable pursuant to federal law title 15 USC 16810 and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that the accounts be removed within four business days as permitted by federal law.

Company response to consumer: Closed with explanation