Consumer complaint received 2025-11-05 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:
I am submitting this letter to formally dispute inaccurate and contradictory information being reported on my Equifax credit file. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, Equifax is required to ensure maximum possible accuracy and provide me with the procedures used to verify disputed items.

If you are unable to fully substantiate the accuracy, this account must be deleted immediately, as it is damaging my creditworthiness and financial well-being.

As provided under the Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ), I have the fundamental right to privacy regarding my financial data. Furthermore, 15 U.S.C. 1681 ( a ) ( 4 ) emphasizes the duty of credit reporting agencies to protect and ensure the accuracy of consumer information at all times.

No permissible purpose, as defined by 15 U.S.C. 1681b ( 2 ), exists for Equifax to maintain and report contradictory and misleading information. This is a direct violation of my consumer rights. 

Additionally, 18 U.S.C. 1028A highlights the severity of identity theft and unauthorized use of consumer data. Should any part of this reporting be tied to identity theft, Equifax is obligated under 15 U.S.C. 1681c-2 to block all such information without delay. 

Disputed Item XXXX XXXX Creditor : XXXX FIN Account Number : XXXX * * * * Type of Account : Auto Loan / Auto Financing High Balance : {$16000.00} Date Opened : XX/XX/year> Reported Status ( Equifax ) : Closed / Collection / Charge-off Derogatory Inaccuracy : The account is being reported as Closed/Charged-off, yet Equifax simultaneously shows the account as disputed after resolution and still lists a past-due balance. 
This is contradictory, misleading, and unlawful. 
An account can not be reported as both closed/resolved and still delinquent or charged-off at the same time. 
This constitutes a direct violation of 15 U.S.C. 1681s-2, which prohibits furnishers from reporting inaccurate or unverifiable information.

FTC Report Unavailable Affidavit Submitted Due to the current federal government closure, I was unable to file an official FTC Identity Theft Report at this time.

However, I am submitting a sworn Affidavit of Identity Theft and Unauthorized Account Reporting, signed under penalty of perjury.

This affidavit fully describes the fraudulent or unauthorized nature of this account and serves as legal documentation under 15 U.S.C. 1681c-2.

Based on this affidavit and the evidence attached, I am formally requesting the immediate deletion of this account from my Equifax credit file. 
This item is inaccurate, unverified, and damaging to my credit profile, and therefore must be removed in accordance with federal law. 

DEMAND I demand that Equifax immediately reinvestigate this account and either permanently correct or delete it. 
Reporting an account as Closed/Resolved while also indicating a derogatory or charge-off status constitutes false and conflicting reporting. 

Please provide me with : A written explanation of the procedures used to verify this account. 

Copies of all documentation furnished to Equifax to support this reporting. 

A corrected version of my credit file reflecting the deletion of this item.

Company response to consumer: Closed with explanation