Consumer complaint received 2025-08-10 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX XXXX : XX/XX/XXXX XXXX XXXX [ Date ] * * XX/XX/XXXX * * TO XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau ( CFPB ) * * Online : [ XXXX ] ( XXXX XXXX XXXX ) Mail : CFPB, XXXX XXXX XXXX XXXX  XXXX, IA XXXX XXXX. * * Equifax * * XXXX XXXX XXXX, XXXX, GA XXXX XXXX. * * XXXX  * * XXXX  XXXX XXXX, XXXX, TX XXXX XXXX. * * XXXX  * * XXXX. XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Demand for Deletion of Inaccurate Accounts & Cessation of Illegal Practices * * * * Re : * * Violations of FCRA, FDCPA, XXXX, XXXX XXXX Code XXXX, and CFPB XXXX XXXX I am writing to formally dispute XXXX XXXX XXXXXXXX inaccurate closed accounts * * ( listed below ) and the illegal collection activities by XXXX XXXX XXXX. These accounts : - Contain * * material inaccuracies * * ( false late payments, duplicate reporting, incorrect statuses ). 
- Violate * * XXXX XXXX coding standards * * ( XXXX XXXX ). 
- Were * * reported without my consent or knowledge * *, violating federal and state privacy laws. 
- Have caused * * financial hardship * *, discrimination, and emotional distress. 

# # # # * * Demands XXXX XXXX * * : XXXX. * * Immediate deletion * * of all disputed accounts from all credit files. 
XXXX. * * Cessation of third-party harassment * * ( calls to my employer/family ). 
XXXX. * * Audit of systemic reporting errors * * per CFPB XXXX XXXX. 

-- - # # # * * Disputed Accounts & Legal Violations * * | Account Name | Reason for Dispute | Law Violated XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX | - {$580.00} collection * despite disputes in progress * ( XXXX XXXX reports ) .<br>- Harassment via third-party contacts. | * * FDCPA XXXX ( c ), Texas XXXX. Code XXXXXXXX XXXX XXXX | | * * XXXX/WEB * * | Closed XX/XX/XXXX, but reports XXXX " missed payments '' * while closed *. | * * FCRA XXXX ( c ), XXXX XXXX Rule XXXX * * | | * * XXXX  * * | Duplicate reporting ( as " XXXX XXXX '' and " XXXX '' ). | * * XXXX XXXX Rule XXXX ( unique identifiers ) * * | | * * XXXX  * * | Listed as " XXXX  '' and " XXXX  LEND '' same creditor, duplicate tradelines. | * * FCRA XXXX ( a ) ( XXXX ) * * | | * * XXXX  * * | XXXX " currently late '' despite being closed XX/XX/XXXX. | * * FCRA XXXX ( c ) * * | | * * XXXX/LEAD * * | Mismatched naming ( " XXXX/LEAD '' vs " XXXX/LEAD '' ) inflating missed payments. | * * CFPB XXXX XXXX XXXX * * | * ( Full list attached ) * -- - # # # * * XXXX Grounds for Deletion * * XXXX. * * FCRA XXXX ( a ) ( XXXX ) ( A ) * * : XXXX must reinvestigate disputed items within 30 days. 
XXXX. * * FCRA XXXX ( b ) ( XXXX ) ( D ) * * : Data furnishers must report accurately per XXXX XXXX standards. 
XXXX. * * XXXX XXXX XXXX XXXX XXXX XXXX  : Prohibits debt collector harassment ( third-party contact ). 
XXXX. * * ECOA Regulation B XXXX * * : Prohibits credit discrimination based on race. 
XXXX. * * CFPB XXXX * * : Unfair practices ( reporting unverified accounts ) violate XXXX U.S.C. XXXX. 

* * Systemic Discrimination Evidence * * : - Accounts * * wrongfully reported * * despite on-time payments ( e.g., XXXX XXXX : " currently on-time '' but flagged for XXXX missed payments ). 
- * * Duplicate tradelines * * targeting minority communities ( per CFPBs * XXXX report on credit invisibility * ). 
- * * Obsolete accounts * * ( e.g., XXXX XXXX  XXXX closed XXXX ) still suppressing scores violating * * FCRA XXXX ( c ) * * ( XXXX limit ). 

-- - # # # * * Actions Required * * XXXX. * * Credit Bureaus * * : - Delete disputed accounts using * * ACDV codes * * : - * * XXXX XXXX * * ( Not XXXX ) for duplicates. 
- * * XXXX XXXX * * ( Obsolete ) for accounts XXXX years old. 
- Provide * * method of transmission logs * * proving XXXX XXXX compliance ( FCRA XXXX ( a ) ( XXXX ) ). 

XXXX. * * CFPB * * : - Investigate Equifax, XXXX, and XXXX  for : - * * Pattern of inaccuracies * * in low-income communities ( ECOA ). 
- * * Failure to reinvestigate * * disputes ( CFPB XXXX XXXX XXXX ). 

XXXX. * * XXXX XXXX * * : - * * Cease all collection activities * * and third-party contacts. 
- * * Retract fraudulent accounts * * per FCRA XXXX ( c ). 

-- - * * Attached * * : - Copies of credit reports ( XX/XX/XXXX ) with disputed accounts highlighted. 
- Evidence of third-party harassment ( call logs, witness statements ). 

I demand resolution within * * XXXX  days * *. Failure to comply will escalate to : - Texas Attorney General ( XXXX XXXX XXXX ). 
- FTC complaint. 
- Civil action under * * Texas XXXX XXXX XXXX XXXX XXXX * * ( up to $ XXXX in damages ). 

Sincerely, * * XXXX XXXX * * " I demand deletion of XXXX inaccurately reported closed accounts and cessation of illegal collection harassment. The credit bureaus violated * * FCRA XXXX ( a ) * * by failing to correct errors within XXXX  days of my disputes ( certified mail sent XX/XX/XXXX ). XXXX XXXX violated * * FDCPA XXXX ( c ) * * by contacting third parties and * * FCRA XXXX * * by reporting unverified debts. This systemic abuse constitutes credit discrimination under * * ECOA Regulation B XXXX * *. '' -- - # # # Step XXXX : * * Simultaneous Dispute to All Three Bureaus * * Send this * * certified mail * * letter to each bureau ( addresses below ) : * * [ Your Letterhead ] * * XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX SSN : XXXX | XXXX : XX/XX/XXXX XX/XX/XXXX * * Equifax XXXX * XXXX XXXX  XXXX, XXXX, GA XXXX * * XXXX  * * XXXX  XXXX XXXX, XXXX, TX XXXX * * XXXX  * * XXXX. XXXX XXXX, XXXX, PA XXXX * * Subject : URGENT DISPUTE DEMAND UNDER FCRA XXXX & XXXX XXXX CODE XXXXXXXX XXXX XXXX XXXX XXXX Re : Dispute of Inaccurate Accounts ( Certified Mail Tracking # ________ ) * * I formally dispute the following accounts as * * inaccurate, obsolete, and unlawfully reported * * : XXXX. * * XXXX XXXX XXXX * * ( Collection, {$580.00} ) - * Violation : * Reporting disputed debt despite ongoing investigation ( CFPB Case # ________ ). 
XXXX. * * XXXX  * * / * * XXXX CARD * * ( Duplicates ) - * Violation : * * * XXXX XXXX Rule XXXX * * ( non-unique identifiers inflating missed payments ). 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Duplicates ) - * Violation : * * * FCRA XXXX ( c ) * * ( reporting closed accounts as " late '' ). 
XXXX. * * XXXX  * * - * Violation : * Marked " currently late '' though closed XX/XX/XXXX ( * * FCRA XXXX ( a ) ( XXXX ) * * ). 
* ( Full list attached ) * * * Legal Demands : * * - * * Delete all accounts immediately * * using XXXX codes : * * XXXX * * ( Not XXXX ) or * * XXXX * * ( Obsolete ). 
- * * XXXX XXXX XXXX compliance * * for Fields XXXX ( Account Status ) and XXXX ( Payment History ) per * * XXXX Guidelines * *. 
- * * Cease reporting * * these accounts under * * FCRA XXXX ( c ) * *. 

* * Failure to comply within XXXX  days * * will result in : - CFPB escalation ( Case # ________ ). 
- Lawsuit under * * Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( damages up to $ XXXX per violation ). 

* * Attached : * * - Copy of drivers license, XXXX card - Highlighted credit reports ( XX/XX/XXXX ) Sincerely, * * XXXX XXXX * *

Company response to consumer: Closed with non-monetary relief