Consumer complaint received 2025-03-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to you for the third time to demand the immediate removal of XXXX XXXX account # XXXX from my credit report, as the information reported is erroneous, inconsistent, and unverifiable. Your failure to act on my previous requests demonstrates a clear violation of your obligations under the Fair Credit Reporting Act ( FCRA ), which is severely impacting my credit history and my consumer rights. 

DISCREPANCIES IDENTIFIED IN THE REPORTS After a thorough review of my credit report, I have identified multiple errors and inconsistencies in the information provided by Equifax compared to other credit bureaus : Differences in the reported high balance : Equifax incorrectly reports a high balance of {$200.00}, while XXXX and XXXX correctly report {$240.00}. 
Inconsistencies in the date of last activity : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Errors in the reported date : Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : No reported date. 
Discrepancies in the account opening date : Equifax and XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Errors in the account closure date : Equifax and XXXX : No closure date provided. 
XXXX : XX/XX/XXXX Contradictions in the creditors remarks : Equifax : " Account previously in dispute, now resolved by data furnisher. '' XXXX : " Account has been closed due to inactivity. '' XXXX : " Canceled by credit grantor. '' Differences in the credit limit : Equifax : {$0.00} ( incorrect ) XXXX and XXXX : {$200.00} ( correct ) Errors in payment history : Equifax displays a 30-day late payment, which is incorrect and not supported by any legitimate documentation. 
XXXX and XXXX also display inconsistent late payment records. 
These discrepancies clearly demonstrate that Equifax has failed to follow reasonable procedures to ensure maximum accuracy in my credit report. 

LEGAL BASIS FOR DEMANDING THE REMOVAL OF THIS ACCOUNT Under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, Equifax is required to ensure the accuracy of the information reported and remove any data that can not be verified. 

Fair Credit Reporting Act ( FCRA ) Section 609 ( 15 U.S.C. 1681g ) : Grants me the right to access my credit information and demand corrections for errors. 
Section 611 ( 15 U.S.C. 1681i ) : Requires Equifax to reinvestigate and delete inaccurate information within 30 days if it can not be verified.

Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Prohibits creditors from reporting information they know to be incorrect or contradictory. 
Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Mandates that Equifax follow reasonable procedures to ensure maximum accuracy.

Consumer Financial Protection Act ( CFPA ) 12 U.S.C. 5531 ( c ) : Prohibits abusive, unfair, or deceptive practices in credit reporting.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g : Requires creditors and agencies to properly verify debts before reporting them. 
RELEVANT CASE LAW SUPPORTING MY CLAIM XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) : The U.S. Supreme Court ruled that reporting inaccurate information that harms consumers violates the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ) : Emphasized that credit reporting agencies must ensure the accuracy of reported information. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) : Ruled that even without tangible harm, reporting inaccurate information constitutes an FCRA violation. 
FINAL DEMAND AND LEGAL ACTIONS Since this is my third request, I consider your inaction a serious and intentional violation of the law. If I do not receive written confirmation of the immediate removal of XXXX XXXX account # XXXX within 15 days, I will take the following actions : ** File a formal complaint with the Federal Trade Commission ( FTC ). 
Report Equifaxs negligent credit reporting practices to my State Attorney Generals Office. 
Explore legal action against Equifax for violating the FCRA and other consumer protection laws. 
I urge you to comply with your legal obligations and proceed with the immediate removal of this erroneous account. 

I have attached a copy of my identification and the relevant credit reports demonstrating these inconsistencies. I expect an immediate written response in compliance with the law.

Company response to consumer: Closed with explanation