Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
RE : Formal Demand to Delete Inaccurate Account Reporting Account # XXXX Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 To Whom It May Concern, This letter is a final demand regarding the inaccurate and misleading reporting of the above-referenced account on my credit profile. 

The account continues to be reported as charged-off and with a past due balance of {$500.00} as of XX/XX/XXXX, despite being written off in XX/XX/XXXX this is a clear and willful violation of the Fair Credit Reporting Act ( FCRA ). 

The Following FCRA Violations Are Evident in Your Reporting : Reporting a balance after charge-off ( FCRA XXXX ) Once a debt is charged off and written off, the balance should not continue to be reported as past due. You have reported {$500.00} written off but simultaneously report it as {$500.00} past due, which is contradictory and misleading. 

Duplicate monthly charge-off reporting You have reported this account as CO ( Charge-Off ) each and every month from XX/XX/XXXX through XXXX XXXX, which is factually incorrect and not how a charge-off is to be reported. A charge-off is a one-time accounting event, not a repeated delinquency. 

Failure to correct inaccurate information after dispute ( FCRA XXXX ) This account has been previously disputed. You returned the dispute as verified without providing any evidence or Method of Verification ( MOV ) as required under FCRA 611 ( a ) ( 7 ). You are legally obligated to provide this MOV upon request and have failed to do so. 

Reporting inaccurate high balance The highest balance is reported as {$890.00} although the credit limit is listed as {$800.00}, which is mathematically questionable and possibly erroneous. 

Re-aging of account The last activity and charge-off occurred in XXXX, but the payment history indicates ongoing negative reporting in XXXX, which could be an attempt to re-age the debt to extend its negative impact, in violation of FCRA and FDCPA standards. 

DEMAND FOR ACTION : I am demanding the immediate deletion of this account from all consumer reporting agencies due to continued willful noncompliance with FCRA. If not deleted within 15 calendar days of receipt of this letter, I will proceed with a federal lawsuit for damages due to : Emotional distress Defamation of character Financial harm Violation of my consumer rights under FCRA MOV ( Method of Verification ) Request : As per FCRA 611 ( a ) ( 7 ), you are legally obligated to provide a complete method of verification detailing how you verified this inaccurate information. Since this account has previously been disputed and returned as verified, I am formally demanding the name, title, and contact information of the person or department who verified the account, and exact documentation used. 

If no such proof exists delete the account immediately.

Company response to consumer: Closed with non-monetary relief