Consumer complaint received 2025-07-15 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: CO

Complaint narrative:
Formal Complaint and Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX To Whom It May Concern, I am writing to dispute inaccurate and damaging information being reported on my credit reports by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which has resulted in a XXXX XXXX XXXX  decrease in my credit score * * as of * * XX/XX/XXXX * *. These reports contain serious errors, duplications, and unresolved disputes that violate my rights under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. * * -- - # # # * * 1. XXXX XXXX XXXX Duplicative & Inaccurate Charge-Offs * * On my * * TransUnion credit report dated XX/XX/XXXX * *, the following three charge-off accounts from XXXX appear : * XXXX * Acct # XXXXXXXX XXXX XXXX XXXX * \ * Balance : \ {$3500.00} | Credit Limit : \ $ XXXX * \ * * * * Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : \ {$2000.00} | Credit Limit : \ $ XXXX * \ * * * * Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : \ {$820.00} | Credit Limit : \ $ XXXX * \ * All three : * Are listed as * * charge-offs * * with * * past due balances * *, even * * months after closure * * in XX/XX/XXXX * Continue to be reported with * * monthly C/O derogatory * *, contrary to closure dates * Have been marked as * * dispute resolved consumer disagrees * * but * * remain unverified and uncorrected * * * Exceed their credit limits in reported balances, creating * * impossible debt ratios * * Further, these XXXX accounts * * do not appear on my XXXX  report XXXX *, reflecting significant * * discrepancies * * across bureaus yet TransUnion continues to factor these accounts into my score. 

-- - # # # * * 2. Legal Violations * * # # # # A. * * Failure to Ensure Maximum Possible Accuracy 15 U.S.C. 1681e ( b ) * * > Every consumer reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX and the credit reporting agencies have failed to ensure * * accurate * *, * * non-redundant * *, and * * timely * * account status reporting. The continued listing of charge-off statuses on already-closed accounts is misleading and unjustified.

# # # # B. * * Failure to Block or Remove Fraudulent Accounts 15 U.S.C. 1681c-2 * * I have an active * * fraud alert and identity theft statement * * on file with * XXXX  since XX/XX/XXXX * *, yet none of the XXXX 's accounts have been validated or blocked. My identity has been compromised, and I assert that at least one of these accounts may be fraudulent or manipulated.

3. Impact on My Credit & Financial Standing * * * My * * XXXX XXXX score fell to XXXX XXXX XXXX as of XX/XX/XXXX a XXXX XXXX XXXXXXXX drop * * directly tied to these unresolved XXXX entries XXXX 
* My reported * * credit usage jumped to 203 % * *, which is mathematically inaccurate and damaging. 
XXXX XXXX and TransUnion show * * substantially different data * *, violating uniform reporting requirements and reasonable accuracy standards. 

-- - # # # * * 4. Actions Requested * * Under the Fair Credit Reporting Act, I request : 1. * * Immediate deletion * * of the XXXX accounts listed above or full documentation of validation. 
XXXX. A * * full reinvestigation of the accuracy of all XXXX accounts reported. 
XXXX. A list of * * all furnishers * * and data sources XXXX used to verify the reported information. 
XXXX. * * Written confirmation * * of the outcome of your reinvestigation within 30 days of receipt. 

Failure to resolve this issue will result in further legal action and CFPB complaints under * * 15 U.S.C. 1681n & 1681o * * for willful and negligent violations of my rights.

-- - # # * * A Summary of Your Rights Under the Fair Credit Reporting Act ( FCRA ) * * * * * You must be told if information in your file has been used against you.

* * * You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency. 
* * * You have the right to dispute incomplete or inaccurate information. Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.

* * * Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information usually within 30 days.

* * * Consumer reporting agencies may not report outdated negative information. Generally, negative information more than 7 years old, or bankruptcies more than 10 years old, may not be reported.

* * * You must give your consent for reports to be provided to employers.

* * * You may limit prescreened offers of credit and insurance.

* * * You may seek damages from violators. If a consumer reporting agency, or in this case a furnisher such as XXXX, violates the FCRA, you may be entitled to damages in court.

More details are available from the Federal Trade Commission ( FTC ) at [ www.consumerfinance.gov ] ( https : //www.consumerfinance.gov/ ) or by calling XXXX. 

-- - Please consider this a formal dispute and legal notice. I expect a full response within the required time under federal law. 

Sincerely, [ Name withheld for privacy ] Date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation