Consumer complaint received 2025-03-27 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: PA

Complaint narrative:
Subject : DEMAND FOR IMMEDIATE REMOVAL OF INACCURATE ACCOUNT FCRA VIOLATIONS To Whom It May Concern, I am writing to dispute and demand the immediate removal of an inaccurately reported account from my credit report. The account in question is from XXXX XXXX, ending in XXXX. Your reporting of this account is erroneous, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). 
IDENTIFIED INACCURACIES & FCRA VIOLATIONS 1. Failure to Ensure Maximum Possible Accuracy 15 USC 1681e ( b ) The balance is reported as {$2500.00}, yet the credit limit is listed as {$0.00}, which is incorrect and creates an inconsistent reporting issue. A revolving credit account can not have a {$0.00} credit limit while simultaneously carrying a balance. 
The " High Credit '' field shows {$0.00}, contradicting the balance owed. If the account had usage, there should be a high credit amount reflecting the original credit limit or the highest balance carried. 
2. Misleading & Incomplete Information 15 USC 1681a ( 1 ) ( A ) The account was charged off in XXXX, yet there is no proper record of payments leading up to this status. The last payment date is missing, making the reporting incomplete. 
The " XXXX XXXX XXXX '' is listed as {$0.00}, yet the account is marked as a charge-off. This discrepancy proves that the data is either incomplete or fabricated, violating the FCRA. 
The " Date of Last Activity '' is missing, which is crucial for accurate reporting of delinquency and the statute of limitations.

3. Failure to Properly Investigate & Remove Inaccurate Information 15 USC 1681i ( a ) ( 5 ) The first delinquency is reported as XX/XX/XXXX, but the charge-off was reported only XXXX months after, which is inconsistent with normal charge-off timelines. 
The payment history shows " CO '' ( XXXX XXXX ) in multiple months, including XXXX, XXXX, and XX/XX/XXXX, which is duplicative and misleading. A charge-off should only be reported once, not repeatedly. 
DEMAND FOR IMMEDIATE REMOVAL Given these severe inaccuracies, I am formally demanding the immediate deletion of this account from my credit report. If this account can not be verified with complete and accurate documentation, the FCRA requires its removal. 
If you fail to properly investigate and correct these errors within 30 days, I will take further action, including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General 's Office. 
Seeking legal action for damages due to your failure to maintain accurate reporting, as permitted under 15 USC 1681n & 1681o for willful and negligent noncompliance. 
I expect a written response confirming the deletion or a copy of your full verification records. Failure to act in compliance with the law will result in immediate escalation. 
This is my final notice before filing official complaints and taking legal action. 
XXXX XXXX XXXX Comments say verified and accurate but is still reporting inaccuracies, and the company is deeming my disputes frivolous but are reporting multiple inaccuracies after it has came back verified and accurate in addition to harassing me after i requested a cease and desist

Company response to consumer: Closed with explanation