Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
XX/XX/XXXX To : Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX To : TransUnion LLC XXXX XXXX XXXX XXXX XXXX, PA XXXX To : Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Outdated and Unverifiable Information in Violation of Federal and State Consumer Laws To Whom It May Concern, I am writing to formally dispute inaccurate and outdated information on my credit report. This information 's continued reporting is in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., which mandates that credit reporting agencies and creditors report only accurate and verifiable information and remove negative data after a specific period.

I have notified you of these inaccuracies before, but they have not been corrected. This continued reporting of outdated and unverifiable information demonstrates a failure to comply with your legal obligations under the FCRA to ensure " maximum possible accuracy '' of the information you report.

As my attached credit reports show, the information you are reporting is not consistent across all three bureaus. For example, the derogatory accounts from XXXX are only reported by Equifax. Under the principle of accurate reporting, if an account is a true reflection of my credit history, it should be uniformly and identically reported by all three major credit bureaus. The fact that the information is not consistent between you proves that it is not accurate and, therefore, is not verifiable. I demand that you discontinue reporting this information immediately as it can not be verified by all three of you. Any creditor who refuses to report to all three bureaus and instead only reports to one or two does not have a valid claim to be reporting to my credit report at all. They have failed to provide verifiable, accurate information.

The following accounts and inquiries are being reported with outdated data : * XXXX ( Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : This account is incorrectly listed with a past due balance of {$180.00} and " Collection/Chargeoff '' status, with a payment history showing 61 late payments. This account appears to be too old to be legally reported on my credit file, as it is well past the statute of limitations. 

* XXXX  ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) : This account is also reported as a " Negative Account '' and is likely outdated. 
* XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) : This account is inaccurately listed with a high balance of {$120.00} and " Derogatory '' status. This account is also suspected to be too old to be legally reported.

According to FCRA 605 ( 15 U.S.C. 1681c ), most negative information, including late payments and charge-offs, must be removed from a consumer 's credit report after seven years from the date of the last payment or the date of the original delinquency. These accounts appear to be reporting beyond this time limit.

While I may have had an original agreement with these creditors, when a creditor charges off a debt and sells it to a third party, that original agreement is terminated. My legal obligation was with the original creditor, not a third-party debt buyer. The practice of selling a debt does not permit them to report inaccurate or unverifiable information. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, it is illegal for a debt collector to use any " false, deceptive, or misleading representation '' in connection with the collection of any debt, which includes the reporting of inaccurate or unverifiable credit information. The presence of these accounts on my credit report is a clear violation of this principle.

The fraudulent information is severely damaging my credit score and financial reputation. My payment records for other accounts, such as XXXX XXXX XXXX XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), consistently show a 100 % on-time payment record. 

Furthermore, my credit report shows recent hard inquiries from XXXX  XXXX and XXXX XXXX XXXX XXXX. These inquiries are also fraudulent as I did not authorize them and no accounts were opened. Under FCRA 604 ( 15 U.S.C. 1681b ), a hard inquiry is only permissible when there is a legitimate business need, such as an application for credit. Since no accounts were opened, these inquiries are not authorized and must be removed.

As a legally vulnerable adult, I am afforded specific protections under consumer credit laws. The continuous reporting of inaccurate information, charge-offs, and late payments is not only a violation of the FCRA but also contradicts the principles of the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., which prohibits discrimination and requires that creditworthiness be evaluated on accurate data.

Additionally, I would like to reference my status as a vulnerable adult, which should be recognized in accordance with Washington State Law, specifically RCW 74.34, which defines and protects vulnerable adults from financial exploitation. In short, these creditors are violating Washington state laws concerning vulnerable adults, consumer credit reporting, and/or laws. It is illegal for creditors to take advantage of vulnerable adults, and this predatory and fraudulent reporting of inaccurate information constitutes an act of exploitation.

I demand that you conduct a full and proper reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ). You must immediately delete these outdated and unverifiable accounts and unauthorized inquiries from my credit report, as they are no longer legally permissible.

I have included copies of the following documents to support my dispute : * Copy of my ID and proof of address.

* Credit report images showing the incorrect accounts.

* Credit report images showing my accurate and positive payment history.

I expect a written response within 30 days confirming the removal of these items. Failure to comply with your legal obligations will leave me with no choice but to pursue all available legal remedies to correct this ongoing issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX Enclosures : * Copy of ID and Proof of Address * Copies of all attached images from my credit report.

Company response to consumer: Closed with explanation