Consumer complaint received 2025-03-20 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: LA

Complaint narrative:
Dear CFPB, I am writing to formally dispute inaccuracies in my credit report that I believe violate the Fair Credit Reporting Act ( FCRA ). I have reviewed my credit report, and I have identified several discrepancies that I would like to bring to your attention. 
Details of the Accounts in Question : 1. Equifax * Account Number : XXXX Type : Revolving Account Status : Closed * Balance : {$73.00} * Monthly Payment : XXXX  * Date Opened : XX/XX/XXXXXXXX  * High Credit : {$750.00} * Past Due : {$35.00} * Payment Status : Charge-off 2. Experian * Account Number : XXXX... 
* Account Type : Charge Card * Account Status : Closed 3. TransUnion * Account Number : XXXX * Account Type : Revolving * Account Status : Closed * Balance : {$73.00} * Date Opened : XX/XX/XXXXXXXX  Issues Identified : * The account reported as " Charge-off '' does not accurately reflect my payment history, and I believe this is misleading and violates the FCRA. 
* The status of accounts is inconsistent across different credit reporting agencies, which causes confusion and may indicate noncompliance with the FCRA.

* The reported monthly payment and past due amounts do not seem accurate, which negatively affects my credit score and ability to obtain credit.

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) lam writing to formally dispute inaccuracies in my credit report related to an account with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX. ) and to report potential violations of the Fair Credit Reporting Act ( FCRA ). 
Account Details : * Account Number : XXXX XXXX... 
* Account Type : Installment * Bureau Codes : * TransUnion : Open Account * Experian : Seriously Past Due * Equifax : Open Account * Date Opened : XX/XX/XXXXXXXX  * Balance : {$710.00} Issues Identified : 1. Inconsistent Reporting Across Bureaus : The account is reported as " Open '' by TransUnion and Equifax, while Experian states it is " Seriously past due. '' This inconsistency misrepresents my creditworthiness and violates FCRA Section 607 ( b ), which requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy. 
2. Unclear Payment Status : The term " XXXX XXXXXXXX '' used in the Experian and Equifax reports lacks clarity and fails to provide accurate information about the account 's status. This vagueness may violate FCRA Section 609 ( e ), which mandates that consumers have the right to receive clear and definitive information about their credit accounts. 
3. Potential Misrepresentation of Account Status : The description of the account as a " Debt Buyer '' in Experian could mislead users of the report regarding the nature of the debt and its current status, potentially violating FCRA Section 623 ( a ), which prohibits furnishers of information from providing inaccurate information to consumer reporting agencies.

4. Failure to Update Information : If payments have been made that are not reflected in the balance reported, this could violate FCRA Section 623 ( a ) ( 2 ), which requires furnishers to correct and update information when they become aware of inaccuracies.

Request for Investigation :

Company response to consumer: Closed with non-monetary relief