Consumer complaint received 2025-04-30 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: PA

Complaint narrative:
From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX To : Equifax Inc. 
XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Attention : Equifax Dispute Department AFFIDAVIT OF FEDERAL AND STATE CREDIT REPORTING VIOLATIONS EQUIFAX ONLY ( Pursuant to 28 U.S.C. 1746 Affirmation Under Penalty of Perjury ) I, XXXX XXXX, address at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, XXXX  XXXX, affirm under penalty of perjury under the laws of the United States and the Commonwealth of XXXX  that the following is true and correct : I. DISPUTED TRADELINES REPORTED BY EQUIFAX The following Equifax tradelines are disputed due to inaccuracy, unverifiability, or procedural violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and applicable Pennsylvania law : XXXX XXXX  / XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. GROUNDS FOR DISPUTE Disputes include one or more of the following deficiencies : Inaccurate or misleading payment history Missing Date of First Delinquency ( DOFD ) Improper re-aging or reinsertion Negative reporting on closed/dormant accounts Lack of certified verification documents Failure to block identity theftrelated tradelines under 15 U.S.C. 1681c-2 III. VIOLATIONS BY EQUIFAX AND/OR DATA FURNISHERS 1681e ( b ) : Inaccuracy in reported data 1681i ( a ) ( 1 ) ( A ) : No reasonable reinvestigation 1681i ( a ) ( 5 ) ( A ) ( B ) : Failure to delete or recertify unverifiable entries 1681c ( a ), XXXX681c ( c ) ( 1 ) : Reporting obsolete or re-aged data 1681c-2 : Failure to block XXXX/identity-fraud information 1681g ( a ) ( 1 ), ( 3 ) : Incomplete file disclosures 1681n, 1681o : Civil liability for willful or negligent violations IV. TRADELINE-SPECIFIC FINDINGS A. XXXX XXXX / XXXX XXXX XXXX  XXXX Unverified XXXX late ; no trend or delinquency pattern Listed as Pays as agreed despite derogatory status Violations : 1681e ( b ), 1681g ( a ), 1681i ( a ) B. XXXX XXXX  XXXX Multiple derogatory entries for XXXX Account marked active despite dormancy ; no DOFD provided Violations : 1681e ( b ), 1681c ( c ) ( 1 ), 1681i ( a ), 1681c-2 C. XXXX XXXX  XXXX Payment gaps and inconsistent status ; no investigation details Violations : 1681e ( b ), 1681i ( a ) ( 6 ) - ( 7 ), 1681g ( a ) ( 1 ) XXXX XXXX XXXX XXXX XXXX XXXX Repetitive CO ( charge-off ) codes without reconciliation Incorrect number amount No final balance or DOFD ; data derived from identity theft Violations : 1681e ( b ), 1681c ( a ), 1681c-2, 1681i ( a ) ( 5 ) ( A ) V. CERTIFICATION OF XXXX  XXXX  STATUS I am a certified victim of XXXX  XXXX, documented by Agape Advocacy Consulting, a DOJ-trained NGO under XXXX  Property Code 123.001 . My Self-Attestation dated XX/XX/XXXX, has been submitted under : 22 U.S.C. 7105 Federal victim protections 15 U.S.C. 1681c-2 Mandatory identity fraud blocking ( within 4 business days ) Equifax has failed to comply with 1681c-2. 

VI. ENFORCEMENT & EVIDENTIARY FRAMEWORK A. Burden of ProofEquifax must verify disputes using original, certified, and independently sourced documentation. Failure to do so violates the FCRA. 
B. XXXX  Rules of Evidence ( XXXX. R.E. ) 803 ( 6 ) : Affidavit qualifies as a business record 901 ( b ) ( 1 ) : Authenticated by personal knowledge 1002 & 1003 : Copies of supporting documents are admissible 902 ( 11 ) : Certified records are self-authenticating 701 : Lay testimony based on firsthand knowledge is admissible C. Enforcement ReservationIf unresolved, I reserve the right to pursue : Regulatory complaints with CFPB, FTC, and XXXX  Attorney General Civil litigation under : 15 U.S.C. 1681n, 1681o FCRA violations 73 P.S. 201-1 et seq. XXXX  Unfair Trade Practices 12 XXXX. C.S.A. 6308 Credit Services Act Remedies Sought : Deletion of disputed data Permanent identity theft blocks Statutory, compensatory, and punitive damages Injunctive relief VII. XXXX  CASE XXXXAW AUTHORITY XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX ) : FCRA-related UTPCPL claims permitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) : Affirms enforceability of consumer protections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX ) : Systemic statutory noncompliance actionable under XXXX  XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX XXXX  ( XXXX ) : Constitutional enforcement allowed in federal courts 12 XXXX. C.S.A. 6308 : Authorizes redress for violations of credit service standards VIII. AFFIRMATION Executed pursuant to 28 U.S.C. 1746. I declare under penalty of perjury that the foregoing is true and correct.

Company response to consumer: Closed with explanation