Consumer complaint received 2025-10-31 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: AL

Complaint narrative:
I am writing to formally dispute several items on my credit report, as I believe they have been inaccurately reported and violate provisions of the Fair Credit Reporting Act ( FCRA ). I respectfully request that you thoroughly investigate these items and make the necessary corrections, deletions, or updates as required by law. 
Equifax : XXXX. Account : XXXX XXXX XXXX  o Account Number : XXXX * * * * * * o Status : Collection - Installment o Balance : {$250.00} o Date Opened : XXXX o Issue : Inaccurate reporting as a collection account. The balance is incorrect as the account was not properly settled. I also believe this account may have been reported under incorrect data parameters. 
o FCRA Violation : Reporting of incomplete or inaccurate information under 1681e ( b ) and 1681i ( a ). Please verify this account and correct or delete as necessary. 
XXXX. Account : XXXX XXXX XXXX XXXX o Account Number : XXXX * * * * * * * * o Status : Collection - Installment o Balance : {$860.00} o Issue : The date of last payment and active date are inconsistent with my records. 
o FCRA Violation : Failure to report accurate payment history under 1681i ( a ) ( 1 ) ( A ) and 1681c ( a ) ( 6 ). Please verify and update the payment history. 
XXXX. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) o Account Number : XXXX * * * * * * * * o Status : Collection - Installment o Balance : {$260.00} o Issue : Inaccurate balance and payment history. This account was paid in full, but it still appears as active and in collection. 
o FCRA Violation : Incomplete reporting under 1681e ( b ). This account must be updated to reflect full payment. 
XXXX. Account : XXXX  ( XXXX XXXX XXXX ) o Account Number : XXXX * * * * * * * o Status : Collection - Installment o Balance : {$110.00} o Issue : Incorrect balance and status ; the account was paid, and the balance should be {$0.00}. 
o FCRA Violation : Reporting of incorrect balance and status under 1681i ( a ) ( 5 ) ( A ). Please update the information. 
XXXX. Account : XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * o Status : Charged off o Balance : {$6900.00} o Issue : Inaccurate reporting of balance and payment status. I believe this account is being reported incorrectly and requires investigation.

o FCRA Violation : Inaccurate reporting and failure to update under 1681i ( a ) ( XXXX ) ( A ). 
Experian : XXXX. Account XXXX XXXX XXXX XXXX o Account Number : XXXX * * * * * * o Status : Collection - Installment o Balance : {$250.00} o Issue : Same issue as with Equifaxincorrect balance and payment history. 
o FCRA Violation : Failure to provide accurate information under XXXX ( b ) and XXXX ( a ) ( XXXX ) ( A ). 
XXXX. Account : XXXX XXXX XXXX XXXX  o Account Number : XXXX * * * * * * * * o Status : Collection - Installment o Balance : {$860.00} o Issue : Incorrect payment history and the status of the account. 
o FCRA Violation : Reporting inaccurate status under 1681e ( b ). 
XXXX. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) o Account Number : XXXX * * * * * * * * o Status : Collection - Installment o Balance : {$260.00} o Issue : Inaccurate balance and status. This account is still appearing on my report after it was fully paid. 
o FCRA Violation : Failure to update information under 1681e ( b ) and 1681c ( a ) ( 6 ). 
XXXX. Account : XXXX ( XXXX XXXX XXXX ) o Account Number : XXXX * * * * * * * o Status : Collection - Installment o Balance : {$110.00} o Issue : Same issue as with Equifax. The balance is not correct, and the status needs to be updated to reflect payment. 
o FCRA Violation : Reporting of inaccurate information under 1681i ( a ) ( 5 ) ( A ). 
XXXX : XXXX. Account : XXXX XXXX XXXX XXXX Account Number : XXXX * * * * * * o Status : Collection - Installment o Balance : {$250.00} o Issue : Same dispute as the othersincorrect reporting of this account. 
o FCRA Violation : Inaccurate reporting under 1681e ( b ). 
XXXX. Account : XXXX XXXX XXXX XXXX o Account Number : XXXX * * * * * * * * o Status : Collection - Installment o Balance : {$860.00} o Issue : Payment status and active dates appear to be incorrect. 
o FCRA Violation : Reporting of incomplete or inaccurate information under XXXX ( b ). 
XXXX. Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) o Account Number : XXXX * * * * * * * * o Status : Collection - Installment o Balance : {$260.00} o Issue : Inaccurate status and balance reporting. 
o FCRA Violation : Failure to report accurate information under 1681i ( a ) ( 1 ) ( A ).

Data Breach Concerns : It is crucial to ensure that no fraudulent or unauthorized accounts have been opened under my name. Please investigate these accounts and confirm if any are a result of a data breach or identity theft. If any of these accounts are determined to be fraudulently opened, they must be removed, and I expect a formal resolution in accordance with the FCRA, specifically under 605B and 1681i.

Company response to consumer: Closed with explanation