Consumer complaint received 2025-07-13 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: CA

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CA, XXXX Date : XX/XX/XXXX To : [ Experian / TransUnion / Equifax Subject : Formal Dispute and Demand for Deletion of Inaccurate Charge-Off Accounts Under FCRA Dear, I am formally disputing inaccurate and outdated derogatory information that is being reported on my credit profile in violation of the Fair Credit Reporting Act ( FCRA ). I request a thorough investigation and immediate deletion of the following Charge-Off accounts due to factual inaccuracies, reporting inconsistencies, and violations of federal consumer law. 

XXXX. XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX ) Discrepancy in Charge-Off Amounts : Experian reports a charge-off of {$1600.00}, while Equifax reports {$400.00} for the same account. 
Last Activity vs. Reporting Date Conflict : The account is being updated in XXXX, although the last payment was made on XX/XX/XXXX, and it was sold to a third-party debt buyer. This continued updating is misleading and re-aging the account in violation of the FCRA. 
Violation of FCRA 607 ( b ) Credit bureaus are required to follow reasonable procedures to assure maximum possible accuracy.

Violation of FCRA 623 ( a ) ( 1 ) ( A ) Data furnishers must not report inaccurate information.

Violation of FCRA 605 ( c ) Charge-offs can only remain for 7 years from the original date of delinquency, not reset with transfers or updates. 

XXXX. XXXX XXXX  ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) Status Reporting Conflict : TransUnion and Equifax report this as a Charge-Off, while Experian confirms Paid in full for less than full balance. All three must reflect the same status. 
Inaccurate Payment History : Equifax reports multiple 180-day late payments, even though the account was closed and paid in XXXX. 
Account Settled : Under federal law, once an account is settled or paid, especially after charge-off, continued reporting as derogatory or as a " Charge-Off '' with balance due is misleading. 
Violation of FCRA 623 ( a ) ( 2 ) Failing to update or correct previously reported information creates liability for damages.

Violation of FCRA 611 ( a ) This data must be corrected or removed if inaccurate or unverifiable within 30 days. 

DEMAND FOR IMMEDIATE DELETION Given the clear inaccuracies, conflicting balances, and incorrect status reporting, I demand the immediate deletion of both XXXXXXXX XXXX  and XXXXXXXX XXXX accounts from my credit report. These errors are causing undue harm to my creditworthiness and violate multiple sections of the Fair Credit Reporting Act ( 15 U.S. Code 1681e ( b ), 1681s-2, 1681i, and 1681c ). 
If this matter is not corrected within 30 days as required by law, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and explore further legal remedies including potential litigation for damages under FCRA 616 and 617.

Attached are copies of my ID, proof of address, and screenshots of the inaccurate reporting. 
Sincerely, XXXX XXXX Attachments : Highlighted credit report screenshots Government-issued photo ID Proof of address ( e.g., utility bill or bank statement )

Company response to consumer: Closed with non-monetary relief