Consumer complaint received 2025-10-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am disputing multiple inaccurate, incomplete, or unverifiable items on my Equifax credit report ( Confirmation # XXXX, dated XX/XX/XXXX ) under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ). These errors violate FCRA 1681e ( b ) ( requiring reasonable accuracy procedures ), 1681i ( a ) ( mandating 30-day reinvestigation and deletion of unverified/inaccurate info ), 1681s-2 ( b ) ( furnisher investigation duties ), and 1681c ( 7-year limit on negatives, 10 for bankruptcies ; outdated must be deleted ). For collections, they violate Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) by failing to validate debts. Discrepancies across XXXX XXXX XXXX  XX/XX/XXXX, # XXXX ) and XXXX XXXX XXXX XXXXXX/XX/XXXX, # XXXX ) indicate unverifiability, requiring permanent deletion under FCRA XXXX Attachments : All reports showing inconsistencies. Harm : Damages credit score and access to credit/loans. 
Specific disputes : XXXX XXXX Bankruptcy ( Case # XXXX, filed XX/XX/XXXX, XXXX XX/XX/XXXX ) : Reported on Equifax with some accounts noting Bankruptcy XXXX XXXX  but inconsistent with XXXX XXXX not reported ) and XXXX XXXX XXXXontractually Liable Debt label inaccurate per discharge ). Discrepancy suggests error/unverifiability. Violates FCRA 1681i ( a ) ( unverified vs. court records like PACER ) and 1681e ( b ). Delete if unverifiedXXXX XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off ( {$150.00} balance, closed, charge-off {$150.00} ) on Equifax, but removal XXXX vary XXXX XXXX XXXXXXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX ). Unverified balance/DOFD ; possible unreported payments. Violates FCRA 1681s-2 ( b ) and FDCPA 1692g ( b ) if collected without validation. Delete unverified info. 
XXXX XXXX XXXX XXXX Account XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off ( {$0.00} balance, closed, charge-off {$410.00}, transfer/sold ) on Equifax, but inconsistent with XXXX XXXX XXXXval XXXX/XXXX ) and XXXX XXXX closed XX/XX/XXXX, removal XX/XX/XXXX ). DOFD ( XXXX ) unverified post-sale. Violates FCRA 1681e ( b ) and 1681i ( a ). Delete per unverifiability. XXXX XXXX XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Collection ( {$64.00} balance, narrative Collection Account ) on Equifax, but XXXX  ( closed XX/XX/XXXX, removal XXXX/XXXX ) and XXXX XXXX  removal XX/XX/XXXX ) show discrepancies in status/DOFD. No validation. Violates FDCPA 1692g ( b ) and FCRA 1681s-2 ( b ). Delete unverified. 
* * XXXX XXXX XXXX XXXX XXXX XXXX ( Acct XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) : Charge-off ( {$19000.00} balance, charge-off {$18000.00} ) on Equifax, but possibly not negative on XXXX XXXX check full ) anXXXX XXXX  ( removal XXXX/XXXX ). DOFD/lates ( XXXX ) unverified. Violates FCRA XXXX ( a ). Delete. 
* * XXXX Unsecured Installment Loan ( Acct XXXX XXXX XXXX XXXX XXXX XXXX  ) : Charge-off ( {$0.00} balance, charge-off {$2200.00}, transfer/sold ) on Equifax, but XXXX  ( ~ {$3100.00} balance ) and XXXX  ( removal XXXX/XXXX ) inconsistent. DOFD ( XXXX ) unverified. Violates FCRA 1681e ( b ). Delete. 
XXXX XXXX XXXX XXXX XXXX ( Acct # XXXX XXXX XXXX XXXX XXXX : Charge-off ( {$23000.00} balance, charge-off {$20000.00} ) on Equifax, but XXXX XXXX removal XXXX/XXXX XXXX and XXXX XXXX  removal XX/XX/XXXX ) vary slightly. Balance vs. charge-off mismatch. DOFD ( XXXX ) unverified. Violates FCRA 1681i ( a ). Delete. 
* * XXXX XXXX Credit Card ( Acct XXXX XXXX XXXX XXXX XXXX XXXX ) : Closed ; was 60-89 days past due ( balance {$0.00} ) on Equifax, but not negative on XXXX and XXXX XXXX XXXXXXXX XX/XX/XXXX ) shows slight variation. Lates ( XXXX ) unverified. Violates FCRA 1681s-2 ( b ). Delete lates if unverified. 
XXXX XXXX XXXX XXXX Credit Card XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge-off ( {$0.00} balance, charge-off {$270.00}, transfer/sold ) on Equifax, but XXXX XXXX removal XXXX/XXXX ) and XXXX XXXX XXXXXXXX XX/XX/XXXX ) inconsistent. DOFD ( XXXX ) unverified. Violates FCRA 1681e ( b ). Delete. 
XXXX XXXX XXXX Collection ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Collection ( {$2100.00} balance, opened XX/XX/XXXX ) on Equifax, but XXXX  ( disputed, removal XXXX/XXXX ) and XXXX XXXX removal XX/XX/XXXX ) show slight DOFD variations. No validation from XXXX XXXX. Violates FDCPA 1692g ( b ) and FCRA 1681i ( a ). Delete. 
Equifaxs failure to maintain accuracy ( FCRA 1681e ( b ) ) and reinvestigate properly warrants deletion. Per FACTA amendments and CFPB enforcement, unverified disputes must be deleted permanently. Request : Reinvestigate within 30 days, delete all items, provide updated report, notify other CRAs per 1681i ( c ). Noncompliance may lead to damages under 1681n/o.

Company response to consumer: Closed with explanation