Consumer complaint received 2025-04-08 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: OH

Complaint narrative:
RE : Legal Dispute of Inaccurate, Outdated, and Unverifiable Accounts FCRA Violation 1681e ( b ), 1681i, 1681s-2 ( b ), 1681c To Whom It May Concern, This is a formal request for reinvestigation and deletion or correction of the accounts listed below. The reporting contains errors, outdated data, duplications, or unverifiable information all of which are clear violations of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX BANKRUPTCY Filed : XX/XX/XXXX | XXXX : XX/XX/XXXX Over 7 years old must be removed under FCRA 1681c ( a ) ( 1 ) Violation : Outdated public record past reporting limit XXXXXXXX XXXX XXXXXXXX Account shows multiple 30-day lates and 1x 60-day late Account previously disputed but still reflecting derogatory marks Violations : 1681s-2 ( b ) : Furnisher failed to validate or correct 1681e ( b ) : Inconsistent data among bureaus 1681i : Failure to accurately update dispute results XXXX XXXX Multiple duplicate entries with same account number Account is Paid/Closed, but still reflects Late 60 Days Violations : 1681e ( b ) : Duplicate & inaccurate payment status 1681c : Possibly outdated info ( last active XXXX ) 1681i : Failure to correct after previous dispute XXXX XXXX Listed as charge-off, {$150.00} balance, opened in XXXX Marked as disputed, but still shows collection/charge-off without documentation Violations : 1681s-2 ( b ) : No validation provided 1681e ( b ) : Continued reporting of unverifiable debt FDCPA 809 ( 15 U.S.C. 1692g ) : Debt collection without validation XXXX XXXX  XXXX Paid account still reporting 2x 30-day & 2x 60-day lates Account closed, balance {$0.00}, but derogatory marks remain Violations : 1681e ( b ) : Misleading status on a fully paid account 1681s-2 ( b ) : Failure to accurately reflect account status XXXX XXXX XXXX XXXXXXXX Duplicate reporting across two tradelines Both marked as Collection, but also noted as Late 120 Days Violations : 1681e ( b ) : Duplicate tradelines, conflicting info 1681s-2 ( b ) : No original creditor documentation FDCPA 809 : No validation from third-party collector XXXX XXXX XXXX XXXX Balance : {$170.00} marked collection and disputed by consumer No payment date or verification shown Violations : 1681e ( b ) : Incomplete and unverifiable data 1681i : Failure to resolve dispute accurately XXXX XXXX XXXX XXXXXXXX Account shows as Transferred yet also reports Late 60 Days Duplicated with collection account XXXX ( above ) Violations : 1681e ( b ) : Mixed status, duplicate data 1681c ( a ) : Late payments on closed/transferred account 1681s-2 ( b ) : Improper update post-dispute XXXX XXXX XXXXXXXX Balance : {$1100.00} marked as charged-off and disputed Last activity from XXXX, still listed as open derogatory Violations : 1681c : Reporting outdated delinquent debt 1681e ( b ) : Failing to update with final resolution 1681s-2 ( b ) : Retention of inaccurate charge-off XXXXXXXX XXXX XXXX Collection for {$790.00}, last payment dated XXXX Exceeds 7-year reporting window if no updates provided Violations : 1681c ( a ) ( 4/5 ) : Outdated and unvalidated collection 1681e ( b ) : No supporting documentation provided XXXX XXXX XXXX XXXXXXXX Paid auto loan, still reporting 90-day lates Final payment in 2024 request verification of reported lates Violations : 1681s-2 ( b ) : Incorrect late status post payoff 1681e ( b ) : Inaccurate and harmful data on positive tradeline LEGAL DEMAND FOR ACTION : Under FCRA 611, I am demanding that the credit bureau : 1. Reinvestigate all listed accounts within 30 days 2. Remove or update inaccurate, unverifiable, outdated, and duplicated information 3. Provide a free updated copy of my credit report showing all changes 4. Supply verification from original creditors or delete the tradelines

Company response to consumer: Closed with non-monetary relief