Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to file a formal dispute and complaint against XXXX Bank XXXX XXXX violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. Despite submitting several certified disputes and complaints through proper channels, this creditor continues to report inaccurate, misleading, and unverifiable information on my credit report. 

Upon reviewing all three of my credit reports, I have identified multiple discrepancies in the reporting of the XXXX Bank account XXXX These discrepancies include inconsistent creditor naming, balance inflation post-charge-off, conflicting account statuses, and differing delinquency and charge-off dates. The continued monthly updates without any recent activity are misleading and falsely imply that the debt remains active and collectible. I request immediate deletion of this account from all credit bureaus based on these significant violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Discrepancies and Inaccurate Reporting Summary : 1. Inconsistent Creditor Naming Experian : Listed as XXXX XXXXXXXX : Listed as XXXX/XXXX  XXXX : Reported under XXXX Financial LLC This XXXX XXXX XXXX the true identity of the creditor and XXXX violate FCRA 607 ( b ), which requires credit bureaus to maintain accurate identification of information sources. 

2. Incorrect Balance Reporting After XXXX All three bureaus show a current balance of {$2500.00}. 
The account was charged off in XX/XX/XXXX, yet each bureau continues to report the full balance as past due through XX/XX/XXXX. 

Issue : Once an account is charged off, it should not continue to be reported as a past due, actively delinquent balance unless payments were made, which the records do not support. This ongoing update of the past-due amount appears to be an attempt to extend the derogatory impact and misrepresents the actual status of the account. 

3. Inconsistent Last Payment Date All Bureaus : Last payment is listed as XX/XX/XXXX. 
Yet updates continue to be made through XX/XX/XXXX. 

Issue : No payments have occurred since the charge-off date. Continuing to update the account status monthly after charge-off without any new activity appears deceptive and misleading, potentially in violation of FCRA 623 ( a ) ( 1 ) and FDCPA 1692e ( false representation of a debts legal status ).

4. Inflated Balance and High Balance Discrepancy Original/High Balance : Reported as {$1600.00}. 
XXXX XXXX : Now shown as {$2500.00} across all reports. 

Issue : This increase is not explained by interest or fees in any documented form. Given the charge-off status and the lack of account activity, the increase may indicate usurious lending practices or improper balance inflation, especially if unauthorized or unvalidated.

5. Different Charge-Off Reporting Dates Experian : Charge-off listed in XX/XX/XXXX, updated as of XX/XX/XXXX. 
XXXX : Shows charge-off and closed date as XX/XX/XXXX. 
XXXX : Charge-off listed, but XXXX XXXX Reported is XX/XX/XXXX, which is XXXX years after the actual delinquency. 

Issue : This variation can manipulate the aging of the account, potentially extending the reporting period beyond the XXXX limit and violating FCRA XXXX ( a ). 

6. Reporting Inconsistencies in Account Status and Terms Account Type : Experian : XXXX XXXX XXXX XXXX : Installment Account Terms : XXXX : Semi-monthly for 9 months XXXX : {$0.00} per month, yet marked as semi-monthly Issue : This kind of mismatch creates confusion about the nature of the agreement and repayment expectations, violating the XXXX requirement for consistency and clarity in reporting. 

7. Questionable Loan Legitimacy : I have requested verification that XXXX has legal authority to report this debt and that the loan has not been securitized. To date, no documentation has been provided. 

Request for XXXX XXXX : I am formally requesting the following : XXXX deletion of the XXXX Bank account XXXX my credit report ( XXXX ) due to persistent and verified inaccuracies. 
A reinvestigation in compliance with FCRA 611, including a full review of the documents Ive provided and a requirement for the data furnisher to supply evidence supporting their reporting. 
Written confirmation of the outcome of this dispute and any actions taken as a result. 

Supporting Documentation : Attached to this complaint, I have included : Copies of my XXXX, XXXX, and Experian credit reports, highlighting discrepancies in account names and reporting details. 


Additionally, complaints have been filed with the following agencies : Federal Trade Commission ( FTC ) Complaint # XXXX XXXX XXXX XXXX XXXX ( FDIC ) Complaint # XXXX Michigan Attorney General Complaint # XXXX I respectfully request that you take this matter seriously and correct or remove the disputed account as required by law. Failure to do so will leave me no choice but to pursue further action through additional legal and regulatory channels.

Company response to consumer: Closed with non-monetary relief