Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a formal complaint againsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the three major credit bureaus ( Equifax, XXXX, XXXX  ) for illegal, inconsistent, and deceptive credit reporting practices in connection to a debt allegedly assigned on XX/XX/XXXX, with a balance of {$590.00}. 

This account is being reported by XXXX XXXX  to Equifax and XXXX  with a Date of First Delinquency ( DOFD ) listed as XX/XX/XXXX, even though the account was not assigned until XX/XX/XXXX. This is factually impossible and constitutes illegal re-aging, which violates : FCRA 605 ( c ) re-aging of delinquency to extend the reporting period FCRA 623 ( a ) ( 5 ) furnisher must report accurate DOFD They report a balance of {$590.00} with no itemization, no contract, no last payment date, and no interest or fee breakdown, violating : FDCPA 1692e ( 2 ) ( A ) misrepresenting the character or amount of the debt FDCPA 1692g ( a ) failure to provide written debt validation FCRA 1681e ( b ) failure to ensure the accuracy and integrity of reported data I disputed this account. XXXX  lists it as " Account information disputed by consumer ( FCRA compliant ), '' yet no changes were made, no documentation was provided, and no reinvestigation was performed. Equifax doesn't reflect any dispute at all, and continues to report false information. 

Even worseI can not view or dispute this account on XXXX  at all. My XXXX  credit file is blocked, preventing me from accessing or correcting inaccurate information, which is a violation of : FCRA 611 ( a ) right to dispute and have a reasonable investigation FCRA 1681g ( a ) right to full disclosure of information in my credit file The lack of transparency and denial of access by XXXX  actively prevents me from exercising my legal right to dispute inaccurate information. This may constitute willful obstruction or reckless disregard of my FCRA rights. At this point, XXXX  is enabling XXXX XXXX to conceal false data from consumers without challenge. 

This isnt just sloppyits deliberate. Im not the only consumer XXXX XXXXXXXX has misreported, and this is part of a larger pattern of abuse. To support my complaint, I cite the following case law : XXXX XXXX XXXX  ( XXXX ) CRAs must independently investigate disputes FTC XXXX XXXX XXXX ( XXXX ) Debt buyers fined for failure to validate and re-aging State v. XXXX XXXX  ( XXXX ) Barred from collecting due to unvalidated debt and reporting misconduct XXXX XXXX Equifax ( XXXX ) CRAs held liable for continued inaccurate reporting after notice N.C. Gen. Stat. 75-54, 75-55, 75-1.1 prohibits unfair or deceptive practices in North Carolina I have already submitted dispute attempts. No resolution. No verification. No legitimate documentation. And now, XXXX  wont even allow me to see my own file. That is unacceptable. 

I demand the following : Immediate permanent deletion of XXXX XXXXXXXX XXXX account from Equifax, XXXX, and XXXX  A full investigation into The Bureaus, Inc. for systemic violations of FCRA, FDCPA, and consumer rights If this is not resolved within a reasonable time, I will escalate to : North Carolina Department of Justice FTC Illinois Attorney General ( The Bureaus jurisdiction ) Legal counsel to pursue civil damages under FCRA 616617 , FDCPA 813, and NC Unfair and Deceptive Trade Practices Act I want a written confirmation and updated credit reports reflecting the correction or deletion of this tradeline. You are now on formal legal notice.

Company response to consumer: Closed with non-monetary relief