Consumer complaint received 2025-02-23 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:
Subject : Formal Dispute of Inaccurate Credit Reporting Violation of FCRA Dear Equifax and XXXX XXXX XXXX I am formally disputing the accuracy of the information being reported on my Equifax credit report regarding my credit card account with XXXX XXXXXXXX XXXX The reported details are inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681. 

Disputed Information Creditor Name : XXXX XXXXXXXX XXXX Account Number : [ Your Account Number ] Issue : Inaccurate balance, re-aging of the account, and improper charge-off reporting. 
Violations of Federal Law Identified XXXX. Incorrect Balance on a Charged-Off Account The account is listed as Charged-Off yet still shows an outstanding balance of {$86.00}.

Under FCRA 1681s-2 ( a ) ( 1 ) ( B ), a creditor must not report inaccurate or misleading data.

Request : Remove the balance from the charged-off account or delete the tradeline entirely.

2. Re-Aging of the Account The account has no clear closure date or Date of First Delinquency ( DOFD ), which may artificially extend the reporting period. 
Per FCRA 605 ( a ) ( 5 ), derogatory accounts can not remain past 7 years from XXXX. 
Request : Provide the exact closure date and DOFD, or remove the account. 

XXXX. Post-Charge-Off Late Payments ( Illegal Reporting ) The payment history shows continued late payments even after charge-off ( XXXX - XXXX ). 
This is a willful misrepresentation under FCRA 1681e ( b ), which requires accurate reporting.

Request : Remove all late payments after charge-off.

4. Conflicting Account Status The account is marked as both Charged-Off and Closed, but a balance remains. 
XXXX can not legally claim an account is charged-off while keeping it open with a past-due balance. 
Request : Provide evidence the debt was not sold to a third-party collection agency. If sold, remove the account per FCRA 623 ( a ) ( 5 ).

5. Failure to Provide Method of Verification If Equifax verified this data, under FCRA 611 ( a ) ( 7 ), I am legally entitled to receive : The exact method of verification The source XXXX provided to confirm this accounts accuracy Request : Provide the Method of Verification within 15 days, or delete the account. 

Formal Demand for Correction or Deletion Per FCRA 611 ( a ) ( 1 ) ( A ), I demand a formal reinvestigation. Within 30 days, you must : Provide documented proof validating the accuracy of this account. 
Delete or correct all inaccurate information immediately. 
If you fail to correct these violations, this will be considered a willful violation under FCRA 616 and 617, entitling me to statutory damages of {$1000.00} per violation, plus punitive damages in a court of law. 

Notice of Intent to File Complaints If my report is not corrected within 30 days, I will escalate the matter by filing complaints with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My State Attorney Generals Office I expect a response no later than [ 30 days from todays date ]. Failure to comply will result in further action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief