Consumer complaint received 2025-11-03 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 formal complaint regarding the continued inaccurate and contradictory reporting of the following account on my Equifax credit file, despite prior disputes and clear violations of federal law.

Equifaxs reporting of this account not only violates the Fair Credit Reporting Act ( FCRA ) but also constitutes reckless disregard for my rights as a consumer. The inaccuracy materially damages my credit profile, reputation, and financial stability.

DISPUTED ACCOUNT INFORMATION Creditor / Furnisher : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$29000.00} Date Opened : XX/XX/XXXX Reported Status ( Equifax ) : Paid / Closed {$0.00} Balance Current Inaccuracy Identified : Equifax simultaneously reports this account as Closed/Paid/Current and 30 Days Late ( XX/XX/XXXX ). * * This is factually and legally impossible. A paid and closed account can not reflect ongoing delinquency. This contradiction constitutes false, misleading, and unlawful reporting in direct violation of 15 U.S.C. 1681s-2 ( a ), which prohibits furnishers from reporting data they knowor should knowto be inaccurate or unverifiable.

LEGAL VIOLATIONS AND BREACHES OF DUTY FCRA 1681i : Requires Equifax to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Failure to do so after prior notice constitutes willful noncompliance.

FCRA 1681e ( b ) : Mandates that credit reporting agencies maintain reasonable procedures to assure maximum accuracy of the information they report.

FCRA 1681b ( 2 ) : No permissible purpose exists for continuing to report contradictory data that misrepresents my payment history.

FCRA 1681c-2 : Requires the blocking and removal of any information resulting from identity theft or unverifiable origin within four business days.

Gramm-Leach-Bliley Act ( 15 U.S.C. 6802 ) : Protects the confidentiality of consumer financial information ; Equifaxs continued disclosure of disputed and contradictory data breaches this protection.

18 U.S.C. 1028A : Addresses the criminal implications of identity theft and unauthorized use of personal identifying information.

Equifaxs continued publication of this false datadespite clear noticeis negligent, willful, and unlawful. You have an affirmative duty under federal law to correct or delete any item that can not be substantiated beyond doubt.

DEMAND FOR IMMEDIATE ACTION I hereby demand that Equifax : Conduct a complete reinvestigation of the above account within the statutory time frame under FCRA 611 ( 15 U.S.C. 1681i ).

Delete or permanently correct the account from my credit file to reflect an accurate status.

Provide me with written documentation detailing : The procedures used to verify this account, The name, address, and contact information of any furnisher that verified it, and Copies of all documentation Equifax received in support of this reporting.

Send me a corrected copy of my updated credit report reflecting the deletion or correction.

NOTICE OF LIABILITY AND ENFORCEMENT If Equifax fails to delete or correct this account within the required time frame, I will file formal complaints with the Federal Trade Commission ( FTC ), and the Office of the Attorney General, and will seek civil remedies under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance with the FCRA.

Your failure to uphold your federal obligations will be interpreted as intentional noncompliance and reckless disregard of consumer rights.

This letter serves as final notice before escalation and enforcement actions are initiated.

Company response to consumer: Closed with explanation