Consumer complaint received 2025-08-22 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: SC

Complaint narrative:
Dear Equifax, I am disputing several inaccurate items on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ). The law requires Equifax to conduct a reinvestigation of any disputed information within XXXX  days and to remove or correct any unverifiable or inaccurate items. 

My credit report must only contain accurate, complete, and verifiable information. The following accounts violate that standard and must be investigated immediately : XXXX. XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$260000.00} Reported as : Late Payment Story : This account is reporting late payments, which I dispute as inaccurate. I have not received any documentation proving the validity of these alleged delinquencies. Under FCRA Section 623 ( a ) ( 1 ) ( A ), furnishers may not report information they know or should know is inaccurate. Unless proper verification with original payment history is provided, this reporting must be removed. 

XXXX. XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as : Charge Off Story : It is contradictory to list a {$0.00} balance as a charge-off. This is misleading and creates a false representation of my creditworthiness. Reporting a {$0.00} account as a charge-off violates FCRA Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires maximum possible accuracy. Since no balance is owed, I demand this account be deleted. 

XXXX. * * XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$780.00} Reported as : Collection Story : I dispute the validity of this collection account. I have not received a signed contract, proof of ownership, or any verification that XXXX XXXX XXXX has legal standing to collect this debt. Under FCRA Section 611 ( a ) ( 1 ) ( A ), if an item can not be verified, it must be deleted. Additionally, under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), a debt collector must provide validation of the debt upon request. Since no validation has been provided, this collection account must be removed from my report. 

Final Statement/ Legal Demand Equifax is required by law to ensure my consumer file is accurate and free of unverifiable information. Under the FCRA Section 611, if these accounts can not be fully validated with proper documentation, they must be immediately deleted from my report. 

Failure to comply will result in me filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office for violations of the FCRA and FDCPA. 

I have enclosed a copy of my government-issued ID and proof of address to assist with verification. Please provide me with the results of your investigation within XXXX  days as required by law.

Company response to consumer: Closed with non-monetary relief