Consumer complaint received 2025-05-21 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: IN

Complaint narrative:
This complaint is a formal demand for immediate investigation, enforcement, and resolution of ongoing and unlawful credit reporting activity being committed by multiple furnishers and credit bureaus. I am exercising my full rights under FCRA 611, 623, and FDCPA 809, and hereby provide factual grounds for why the following accounts are reported in blatant violation of federal consumer protection laws. 

Despite previous disputes and requests for validation, these items remain unverified, inaccurate, or are deliberately being re-aged or misrepresented. This isn't only deceptive but potentially unlawful. 

XXXX. XXXX XXXX XXXX Acct # : XXXX Balance : {$9800.00} ( Charge-Off ) Last Payment : XX/XX/XXXX Violations : Failure to report Date of First Delinquency ( DOFD ) Illegal re-aging by reporting continued charge-offs post-final payment No Charge-Off date disclosed No chain of assignment or ownership validation Demand : Immediate deletion of this tradeline. This account is materially misleading and reported in violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2. 

XXXX. XXXX XXXX XXXX Acct # : XXXX Balance : {$220.00} ( {$120.00} past due ) Last Payment : XX/XX/XXXX Violations : DOFD omitted, which is required for aging Charge-off date manipulated to falsely extend reporting window Amount owed and dates are internally inconsistent No validation under FDCPA XXXX Demand : Immediate deletion or full documentation within XXXX XXXX per federal law. Failure to validate equals removal. 

XXXX. XXXX XXXX Acct # : XXXX Status : Paid in Settlement Last Payment : XX/XX/XXXX Violations : Continued late payment reporting AFTER settlement, this is deceptive DOFD missing No legal basis for derogatory marks on a settled and closed account Demand : Remove all derogatory marks or delete this tradeline entirely. 

XXXX. XXXX XXXX XXXX XXXX Acct # : XXXX Status : Charged Off - {$170.00} written off Last Payment : XX/XX/XXXX Violations : No DOFD reported Re-aged debt through continuous charge-off reporting No validation provided Demand : Remove this account from my credit profile or provide legal proof of all dates and debt ownership. 

XXXX. XXXX XXXX XXXX Acct # : XXXX Status : Charged Off - {$2000.00} Last Payment : XX/XX/XXXX Violations : No DOFD provided Reported for 30 months of charge-offs beyond the legal reporting threshold No evidence of chain of title or assignment Demand : This account is illegally re-aged and must be permanently deleted. 

XXXX. XXXX XXXX XXXX / NELN Acct # : XXXX ( Multiple Tradelines ) Status : Deferred ( yet reporting XXXX lates ) Last Payment : XX/XX/XXXX Violations : Reporting late payments during an official federal deferment period Duplicate entries with conflicting balances and dates No DOFD listed This is a gross misrepresentation of a federally regulated student loan account Demand : Remove all late payments, correct deferment status, and audit all duplicated tradelines. These loans are protected under XXXX and FCRA. 

XXXX. XXXX XXXX XXXX ( Collection ) Acct # : XXXX Balance : {$470.00} Violations : No documentation of ownership No proof of validation under FDCPA XXXX XXXX, last payment, and assignment chain are all missing Demand : Immediately delete this tradeline or provide full legal validation. Unverified collections must be removed by law. 


This complaint serves as a formal legal notice. If the CFPB fails to enforce the FCRA, FDCPA, and XXXX XXXX standards regarding these violations, I reserve the right to : File complaints with the FTC, state attorney general, and XXXX Department of Education ( for student loans ) Pursue civil litigation against any credit furnisher, debt collector, or bureau that continues to report unverifiable data

Company response to consumer: Closed with non-monetary relief