Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XX/XX/XXXX Re : Dispute of Inaccurate Credit Report Information Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX Compliance, FCRA, and FDCPA Violations Dear XXXX, Experian, and Equifax, I am writing to formally dispute inaccurate information on my credit report for Account XXXX XXXX XXXX XXXX, an installment auto loan reported as a joint account with a derogatory status, charged off, and reflecting a balance of {$2500.00}. The reporting of this account contains multiple inaccuracies, violates XXXX XXXX guidelines, and breaches provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. I demand immediate investigation, correction, and permanent deletion of this account from my credit file, as well as compensation for damages caused by these violations. I reserve all rights under UCC 1-308 without prejudice. 
Violations and Inaccuracies The following inaccuracies and violations are present in the reporting of Account XXXX XXXX XXXX XXXX across all three bureaus ( XXXX XXXX Equifax ) : XXXX. Incorrect Date of First Delinquency ( XXXX ) XXXX  Issue : The reported XXXX is inconsistent across bureaus. XXXX XXXX XXXX report the Date of Last Payment as XX/XX/XXXX, while Equifax reports XX/XX/XXXX. The Date Last Active is listed as XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( Equifax ) XXXX These discrepancies suggest an inaccurate XXXX, violating 15 U.S.C. 1681c, which prohibits reporting obsolete information. XXXX XXXX XXXX guidelines, the XXXX must be accurately reported to ensure compliance with the seven-year reporting period. 
* Legal Basis : FCRA 1681c ( a ) ( 4 ) mandates that accounts may not be reported beyond XXXX years from the XXXX. Inaccurate XXXX reporting misleads consumers and creditors, causing harm. See XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), which affirms that inaccurate reporting violates FCRAs requirement for maximum possible accuracy under 1681e ( b ). 
* Demand : Verify the correct DOFD with the furnisher and update or delete the account if unverifiable. 
XXXX. Inaccurate Account Status and Payment History * Issue : The account is reported as Collection/Chargeoff with a Profit and loss write-off comment, yet the payment history shows OK for multiple months ( e.g., XX/XX/XXXX ) despite the charged-off status. This is inconsistent with XXXX XXXX guidelines, which require the Account Status Code ( e.g., XXXX for charge-off ) to align with the payment history. Reporting XXXX for a charged-off account is misleading and violates 15 U.S.C. 1681e ( b ), which requires reasonable procedures to ensure maximum accuracy. 
* Legal Basis : In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court held that misleading or inaccurate reporting violates FCRA. Additionally, under 15 U.S.C. 1681s-2 ( b ), furnishers must correct or delete unverifiable information after a reasonable investigation. 
* Demand : Correct the payment history to reflect the accurate status or delete the account if unverifiable. 
XXXX. Discrepancy in High Credit Amount * Issue : Equifax reports a High Credit of {$2400.00}, while TransUnion and Experian report {$28000.00}. This discrepancy violates XXXX XXXX requirement for consistent reporting of account terms and amounts. Such inaccuracies mislead potential creditors and harm my creditworthiness. 
* Legal Basis : FCRA 1681e ( b ) requires credit reporting agencies ( CRAs ) to maintain reasonable procedures to ensure accuracy. See XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ), affirming liability for inaccurate reporting. 
* Demand : Verify the correct High Credit amount with the furnisher and correct or delete the account. 
XXXX. Failure to Report Joint Account Role Accurately * Issue : The account is reported as Joint, but the furnisher has not provided documentation verifying my role or liability. XXXX XXXX guidelines ( XXXX XXXX XXXX ) require accurate reporting of account ownership. Failure to verify my role violates 15 U.S.C. 1681i ( a ), which mandates a reasonable reinvestigation of disputed information. 
* Legal Basis : XXXX XXXX XXXX & XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), confirms that furnishers must verify disputed information accurately. 
* Demand : Provide documentation confirming my liability as a joint account holder or delete the account. 
XXXX. Misleading XXXX XXXX via e-OSCAR * Issue : The furnishers use of the e-OSCAR system to upload inaccurate data constitutes misleading electronic communication. If the furnisher knowingly transmitted false information, this may violate 18 U.S.C. 1343 ( Wire Fraud ), as it involves interstate electronic transmission with intent to deceive. 
* Legal Basis : While wire fraud is a criminal statute, civil liability under FCRA 1681n applies for willful noncompliance. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX defining willful violations under FCRA. 
* Demand : Investigate the furnishers data submission via e-OSCAR and delete unverifiable information. 
XXXX. Failure to Conduct Reasonable Investigation * Issue : Prior disputes submitted to the bureaus were likely processed through e-OSCARs automated system without meaningful investigation, violating 15 U.S.C. 1681i ( a ). The continued presence of inaccuracies suggests reliance on automated dispute handling rather than reviewing furnisher documentation. 
* Legal Basis : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), holds that CRAs must conduct meaningful reinvestigations, not merely parrot furnisher data. 
* Demand : Conduct a manual reinvestigation, including direct contact with the furnisher, and provide a detailed report of findings. 
FCRA and FDCPA Violations * FCRA Violations : * 15 U.S.C. 1681e ( b ) : Failure to maintain reasonable procedures to ensure maximum accuracy. 
* 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

* 15 U.S.C. 1681s-2 ( b ) : Furnishers failure to correct or delete unverifiable information after dispute.

* 15 U.S.C. 1681c : Reporting obsolete or inaccurate XXXX information. 
* Damages : Under 15 U.S.C. 1681n and 1681o, I am entitled to actual and statutory damages for willful and negligent noncompliance, including emotional distress, financial harm, and legal fees. See XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ). 
* FDCPA Violations : * If the furnisher is a debt collector, reporting inaccurate information violates XXXX XXXX. XXXX ( XXXX ), which prohibits communicating false credit information. See XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ). 
* Demand : Cease collection activity until inaccuracies are resolved, per 15 U.S.C. 1692g ( b ). 
Requested Actions XXXX. XXXX Deletion : Permanently delete Account XXXX XXXXXXXX * * from my credit file across all bureaus due to unverifiable and inaccurate information. 
XXXX. Detailed Investigation : Conduct a manual reinvestigation under 15 U.S.C. 1681i ( a ), contacting the furnisher directly and reviewing all relevant documentation. Provide a written report of findings within 30 days, as required by FCRA. 
XXXX. Compensation : Provide compensation for damages caused by inaccurate reporting, including emotional distress, financial harm, and costs incurred to address these violations. 
XXXX. XXXX XXXX Compliance : Ensure all reporting complies with XXXX XXXX guidelines, including accurate Account Status Codes, XXXX, and account role. 
XXXX. Cease Communication : If the furnisher is a debt collector, cease all collection communications until the dispute is resolved, per FDCPA 1692g ( b ).

Company response to consumer: Closed with explanation