Consumer complaint received 2025-02-20 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: AZ

Complaint narrative:
Subject : Formal Dispute of Inaccurate Reporting Violation of FCRA & FDCPA Dear [ Credit Bureau Name ], I am writing to formally dispute the inaccurate and unlawful reporting of an account from XXXX XXXX XXXX on my credit report. The information being reported violates the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection laws. As such, I am demanding its immediate correction or deletion from my credit file. Disputed Account Information : Creditor Name : XXXX XXXX Account Number : [ Your Account Number ] Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance Reported : {$4400.00} Current Status : Charge-Off / Profit & Loss Write-Off FCRA & FDCPA Violations Identified : 1. Incorrect Charge-Off Reporting : The account is marked as a charge-off but still shows a balance owed ( {$4400.00} ). A charge-off is an accounting action, meaning the original creditor can not continue reporting a balance unless they still own the debt. Demand : Provide full validation of ownership of this debt or delete this account immediately. 2. Illegal Late Payments After Charge-Off ( FCRA 15 U.S.C. 1681s-2 ) : Late payments are being reported after the charge-off date ( XX/XX/XXXX ), which is illegal. A charge-off means the creditor closed the account, so continued late payment updates are a material misrepresentation. Demand : Delete all reported late payments following XX/XX/XXXX. XXXX. Possible Re-Aging of the Debt ( FCRA 605 ( c ) ) : The Date of First Delinquency ( DOFD ) is critical in determining the XXXX reporting period. If XXXX has re-aged this account to make it stay on my report longer, this is a violation of federal law. Demand : Provide the original DOFD or immediately remove this account. 4. Failure to Validate Debt Under FDCPA 15 U.S.C. 1692g : XXXX XXXX must provide a full accounting of this debt, including a signed contract, complete payment history, and proof that they have the legal right to report this account. Demand : Provide validation within 30 days or delete this account for failure to validate. 5. No Permissible Purpose Under FCRA 1681b : As a joint borrower, if I was released from financial responsibility or if the loan was settled, XXXX XXXX not have a permissible purpose to report this account. Demand : Provide documentation proving my continued liability or remove the account immediately. Action Required : Under FCRA 611, you are required to conduct a full investigation and respond within 30 days. If this account is not fully verified with proper documentation, it must be deleted from my credit report. Failure to comply with my request may result in legal action and a formal complaint to the CFPB, FTC, and State Attorney Generals Office. Please provide a written confirmation of deletion or correction sent to my address above. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief