Consumer complaint received 2025-08-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo : Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Reporting Violations under FCRA * * To Whom It May Concern, I am writing to file a formal dispute under the Fair Credit Reporting Act ( FCRA ) concerning the XXXX XXXX XXXX XXXX account appearing on my Equifax credit report. The manner in which this account is being reported is legally inaccurate, misleading, and damaging to my financial profile. 

ACCOUNT DETAILS BEING DISPUTED Creditor Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Reported Balance : {$1300.00} Status : Charged Off / Closed by XXXX XXXX Dispute Status : Not Disputed VIOLATIONS & GROUNDS FOR DELETION Balance Inflation Above Credit Limit The account reflects a balance ( {$1300.00} ) that likely exceeds the original credit limit ( previously reported as {$1000.00} ). Without a signed agreement and detailed ledger supporting this figure, it appears inaccurate under FCRA 1681e ( b ).

Illegal Re-Aging of Debt ( FCRA 605 ( c ) ) The Date of Last Activity is reported as XX/XX/XXXX with no matching activity, yet the account is actively updating through XXXX. This is a clear sign of re-aging, which is illegal unless initiated by consumer action. 
Failure to Report Dispute Status ( FCRA 623 ( a ) ( 3 ) ) This account is under dispute but is not marked as such, violating your obligation to disclose accurate dispute information to all users of my report.

Contradictory Account Status The remarks say both Charged Off and Closed by Credit Grantor, which is inherently contradictory. If the account was charged off due to default, it can not also be listed as voluntarily closed this inconsistency must be resolved. 
No Payment History Yet Account is Active Equifax is displaying no meaningful payment history for XXXX, yet continues to report this account as active. This appears to be a method to suppress credit score growth and mislead potential creditors. 
WHAT I DEMAND I am requesting the immediate deletion of this tradeline from my credit report. If you choose not to delete, I demand the following documentation within XXXX calendar days : A copy of the original signed agreement A detailed flow sheet of all charges that resulted in the balance Proof of consumer activity on or after XX/XX/XXXX The name, method, and contact information of the party who verified this information Failure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and further legal review for willful noncompliance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief