Consumer complaint received 2025-12-04 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:
Subject : Formal Dispute of Inaccurate Charge-Off & Late Payment Reporting Violations of FCRA, FDCPA & FACTA Creditor/Furnisher : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Dear Credit Bureau, I am formally disputing the accuracy, completeness, and verifiability of the information being reported on my XXXX  XXXX account. The reported data contains multiple errors, including but not limited to : 19 Potentially Negative Months Status : Account Charged Off Past Due Balance : {$160.00} Last Payment : XX/XX/XXXX Numerous 30/60/90-day late entries Repeated and overlapping charge-off reporting Much of this information is inaccurate, internally inconsistent, incomplete, or unverifiable, and therefore violates federal law. VIOLATIONS OF FEDERAL LAW 1. FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Reporting Information Known To Be Inaccurate XXXX  is reporting : Duplicate CO ( charge-off ) months Late payments after the charge-off date ( not legally permissible ) Delinquencies that overlap and contradict each other A past-due balance on an account already charged off and closed These discrepancies can not all be correct, and indicating them together violates 623 ( a ) ( 1 ) ( A ). 2. FCRA 607 ( b ) / 1681e ( b ) Duty to Assure Maximum Possible Accuracy Credit bureaus are required to maintain accurate and consistent data. The reporting on this account shows : Charge-Off listed in multiple months Inconsistent delinquency progression Past Due amounts reported after the account is charged off Missing or conflicting Date of First Delinquency ( DOFD ) Payment entries that do not match the balance progression These contradictions violate the FCRAs maximum possible accuracy requirement. 3. FCRA 611 / 1681i Required Reinvestigation I request a full reinvestigation of all negative information associated with this account, including : Each late payment Each charge-off entry The reported past-due balance The accurate DOFD If XXXX can not provide documented, original, admissible proof of each delinquency and each charge-off notation, then any unverifiable information must be deleted under 1681i ( a ). 4. FDCPA 807 & 809 Misrepresentation of Amount, Character, or Legal Status If Affirm or any third party is acting as a debt collector, reporting : Multiple conflicting charge-off dates An incorrect past-due balance Inconsistent delinquency information this constitutes misrepresentation under FDCPA 807. A failure to provide proper validation would violate 809. 5. FACTA ( Fair and Accurate Credit Transactions Act ) Accuracy and Integrity Requirements FACTA requires that all furnished information be accurate, consistent, and verifiable. Duplicate charge-off entries, contradictory delinquencies, and missing DOFD documentation violate these standards. FORMAL REQUESTED ACTIONS I request that the credit bureau : Remove all inaccurate, incomplete, or unverifiable late payment entries Remove or correct the charge-off status if not fully documented Correct or delete the past-due balance ( account is closed and charged off ) Additionally, provide me with : The exact Date of First Delinquency ( DOFD ) Documentation validating each late payment Documentation validating the charge-off The entity and method used to verify this information, as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) If XXXX  can not furnish complete, original documentation for every negative entry, then the bureaus must delete the information under 1681i ( a ). Failure to correct the reporting will result in escalation to : CFPB ( Consumer Financial Protection Bureau ) Federal Trade Commission ( FTC ) My State Attorney General as inaccurate charge-off reporting constitutes a direct violation of federal law. Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX Last 4 of SSN : XXXX Attachments :

Company response to consumer: Closed with explanation