Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
I am formally disputing the following accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, and the Truth in Lending Act ( TILA ) 15 U.S.C. 1641 ( g ).

I have identified multiple legal violations regarding these accounts, and failure to correct these errors within 30 days will result in formal legal action against your agency for willful noncompliance. 
ACCOUNTS IN DISPUTE : Account- XXXX XXXX XXXX XXXX XXXX  XXXX ( b ) Failure to Maintain Maximum Accuracy Experian reports the high credit as {$0.00}, while TransUnion lists it XXXX {$1800.00}, and both report a credit limit of {$1900.00}. This inconsistency in key financial details reflects poor data accuracy. 
The Date Last Active is conflicting : o TransUnion reports XX/XX/XXXX o XXXX XXXX XXXXXX/XX/XXXX If no payments have been made since XX/XX/XXXX, it is unclear how activity is still being reported as recent. 
1681g Incomplete Disclosure of Information The listing states the account is being managed by credit counseling, yet no documentation or evidence of enrollment or third-party management has been provided or disclosed to me.

If true, this should be confirmed and documented ; if false, this annotation is misleading and must be removed.

1681i Reinvestigation Requirement If a consumer indicates information is inaccurate, the credit reporting agency is required to perform a reasonable reinvestigation. The continued presence of clearly contradictory data without documentation suggests this has not been done.

I have not authorized or acknowledged any credit counseling relationship related to this account, further warranting investigation. 
XXXX Obsolete or Stale Data The last payment was reported on XX/XX/XXXX, with charge-off status appearing soon after. 
Creditors are prohibited from re-aging accounts to maintain negative status for longer than permitted. Please confirm that this account is not being improperly re-aged. 
Account- XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( b ) Inaccurate and Inconsistent Reporting This account is marked as a charge-off with a {$0.00} balance, {$0.00} past due, and {$0.00} monthly payment, which is contradictory. A charged-off account by definition can not have a {$0.00} balance unless it has been paid, settled, or transferredyet none of those actions are reported. 
Comments indicate the debt was purchased by another lender. If this is true, the balance should be {$0.00}, and the tradeline should clearly state it has been transferred or sold, not charged off with unresolved derogatory status.

This reporting confuses the accounts current standing and is materially misleading.

1681g Failure to Provide Full Disclosure I have not received any documentation or evidence confirming the debt was purchased by another lender, nor any explanation for the dual notation of charged off and transferred/sold. This suggests failure to provide full, clear, and transparent disclosure of account status.

1681c Misleading or Stale Reporting Reporting a charge-off status without a past due balance or payment obligation artificially depresses my credit score while offering no context to lenders. 
The Date Last Active ( XXXX XXXX ) is suspiciously recent, despite the last payment being in XX/XX/XXXX and the balance being reported as {$0.00}. This XXXX suggest account re-aging, which is strictly prohibited under the FCRA. 
XXXX Reinvestigation Obligations Given the obvious conflicts in balance, payment status, and account disposition ( charge off vs. transferred ), I demand a full and documented reinvestigation of this tradeline. 
Account- XXXX  XXXX XXXX. XXXX ( b ) Failure to Maintain Accurate and Consistent Reporting Inconsistent Payment Status : o TransUnion lists the account as Collection/Chargeoff with a {$0.00} monthly payment and a past due amount of {$790.00}. 
o Experian, however, shows a XXXX late status, NOT charged off, and only {$180.00} past due, despite the same balance being reported. 
A charge-off and a late payment status are mutually exclusive and can not both be reported for the same period. This is a clear contradiction and violates the FCRAs accuracy requirement.

2. 1681c Inconsistent Account Closure Details The account is shown as closed by consumer with comments stating, " Dispute resolved ; consumer disagrees. '' Yet, TransUnion still reports it as charged off, which is misleading if the consumer-initiated closure occurred prior to charge-off or dispute resolution.

If the account was closed and disputed by the consumer, the narrative should not remain derogatory unless validated.

3. 1681i Reinsertion Without Proper Notice / Re-aging Concerns The Date of Last Payment ( XX/XX/XXXX ) is significantly after the Date Last Active ( XX/XX/XXXX ), which raises red flags about re-aging of the account, a practice prohibited under the FCRA. 
Any updates to dates impacting the delinquency timeline must be fully verified and documented. 
LEGAL DEMANDS & GROUNDS FOR XXXX XXXX. PROOF OF DEBT OWNERSHIP REQUIRED ( XXXX U.S.C. 1641 ( g ) ) Under TILA 15 U.S.C. 1641 ( g ), if a debt is sold or transferred, the new owner must provide proper notification and proof of assignment.

The original creditor has already been paid via securitization and no longer owns this account.

If no legally admissible proof of ownership is provided, this account must be deleted immediately.

Required Action : REMOVE the account or provide the full chain of ownership with original signed agreements proving legal standing.

2. FAILURE TO CONDUCT A REASONABLE INVESTIGATION ( 15 U.S.C. 1681i ( a ) ) Under the FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable investigation upon dispute.

Simply verifying data with a creditor is NOT a valid investigation.

If you claim this information is verified, provide the method of verification ( MOV ) as required by 15 U.S.C. 1681i ( a ) ( 2 ) ( B ).

Required Action : REMOVE the account if no legitimate MOV and full documentation is provided.

3. FALSE & MISLEADING REPORTING BY THE ORIGINAL CREDITOR ( 15 U.S.C.

1681s-2 ( a ) ) If the original creditor sold or charged off this debt, they are no longer the legal owner, yet they are still reporting it.

Under FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), inaccurate reporting must be corrected or removed.

If the creditor was paid via securitization or insurance write-off, they must update the tradeline to Transferred/Sold or remove it completely.

Required Action : DELETE the account immediately if the original creditor has no current ownership rights.

4. FAILURE TO REPORT A CHARGED-OFF ACCOUNT CORRECTLY ( GAAP & IRS LAWS ) According to GAAP ( Generally Accepted Accounting Principles ) and IRS reporting laws, a charge-off means the original creditor wrote off the debt as a loss.

If a charged-off account was sold, the creditor has no right to continue reporting a balance or updating the status.

Reporting a balance on a charged-off account is falsifying financial information, which is deceptive under 15 U.S.C. 45 ( FTC Act ).

Required Action : REMOVE the charge-off immediately, or provide accounting records proving the creditor still legally owns the balance.

5. COLLECTION AGENCY VIOLATIONS UNDER FDCPA ( 15 U.S.C. 1692g & 1692e ) If this account is now with a debt collector, I demand full validation under FDCPA 1692g.

Collection agencies must prove : o A valid assignment from the original creditor.

o A signed contract showing I agreed to this debt transfer.

o A full payment history proving what is allegedly owed. 
If the collection agency can not provide all of the above, they are in violation of FDCPA, and the debt must be removed.

Company response to consumer: Closed with non-monetary relief