Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a formal complaint against XXXX XXXX XXXX for reporting a charged-off secured account ( account ending in XXXX ) with multiple violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with debt validation laws. 

This account appears on my Equifax credit report with the following details : Date Opened : XX/XX/XXXX Charge-off Status : {$610.00} balance Date of First Delinquency : XX/XX/XXXX Status Update Date : XX/XX/XXXX XXXX  XXXX XXXX is also falsely reporting this as a " secured '' loan, yet I was never presented with, nor did I sign, any agreement pledging collateralmaking this designation inaccurate and potentially deceptive under FCRA 1681e ( b ) and FDCPA 807 ( 2 ) ( A ).

I am disputing this account for the following reasons : 1. Re-Aging the Account ( FCRA 605 ( a ) & 623 ( a ) ( XXXX ) ) : The Date of First Delinquency is XX/XX/XXXX, yet the tradeline is being updated through XX/XX/XXXX. This appears to be an illegal attempt to re-age the account and keep it active longer than permitted under the FCRAs 7-year reporting limit.

2. Incomplete and Unverified Reporting ( FCRA 1681e ( b ) ) : The account shows no last activity date, no payment history, and lacks any itemization or contractual documentation. The balance is simply listed with no supporting data, which violates the requirement for credit reporting to be accurate and complete. 

XXXX. No Debt Validation ( FDCPA 1692g ) : I have never received any written debt validation, contract, or itemized statement confirming the legitimacy or breakdown of this debt. If they are continuing to report a charged-off balance, they must provide proof of the debt and their authority to report it.

4. Method of Verification Not Provided ( FCRA 611 ( a ) ( 7 ) ) : I have previously disputed this account. The credit reporting agency marked it as verified but failed to provide the legally required Method of Verification ( MOV ). I have the right to know : Who verified it What documents were used How and when the investigation occurred Supporting Case Law : Cushman v. TransUnion ( 1
997 ) Credit bureaus must conduct real investigations Richardson v. Equifax ( 2004 ) Furnishers can be liable for inaccurate, unresolved reporting FTC v. Asset Acceptance ( 2012 ) Penalties for re-aging and misrepresenting account age State v. LVNV Funding ( 2015 ) Banned for reporting unverifiable and outdated debts I am requesting the following : Immediate deletion of the XXXX XXXX XXXX tradeline from all consumer reporting agencies Method of Verification disclosure by any bureau claiming the debt was verified A corrected credit report and written confirmation of resolution If this is not resolved, I will file additional complaints with the North Carolina Attorney General, FTC, and pursue legal action under FCRA 616617, FDCPA 813, and North Carolinas Unfair and Deceptive Trade Practices Act ( N.C.G.S. 75-1.1 ).

Company response to consumer: Closed with non-monetary relief