Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I am submitting this complaint to dispute XXXX highly troubling and clearly inaccurate items that have appeared on my credit reports. The first is a charge-off account from XXXX XXXX  ( account ending in XXXX ) dated XX/XX/XXXX, reporting a {$0.00} balance but still being classified as a derogatory account. This entry appears across all three major credit bureaus, despite the fact that it is not only outdated, but inaccurately maintained with conflicting and unverifiable data. The second is a staggering {$41000.00} collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, which has appeared only on my XXXX report with absolutely no prior communication, notice, or documentation provided to justify such a large and damaging entry. 

I want to make it clear that I have gone out of my way to maintain an accurate, compliant, and responsible credit profile. I regularly monitor all three of my credit reports and have taken the necessary steps to dispute or resolve any inaccuracies that arise. Thats why seeing these accounts appear without adequate explanationor in the case of the XXXX XXXX item, continue to linger long after it should have aged offfeels like a massive slap in the face to the diligence Ive shown. 

These entries have caused considerable emotional distress and confusion. I never received any prior notice about the XXXX XXXX XXXX collection, and I have no recollection of entering into any agreement or obligation that would justify a debt of that magnitude. Theres no documentation, no contract, no breakdownjust a vague, high-dollar collection slapped on my XXXX report XXXX of nowhere. It is beyond alarming. The fact that this has occurred in an era where large-scale data breaches are becoming more and more common leads me to suspect that my information may have been improperly handled, matched, or cross-referencedthough again, I am not alleging fraud or identity theft. Rather, this seems more likely to be the result of carelessness in data transmission, validation, or internal matching systems used by debt XXXX or furnishers. 

The continued presence of the XXXX XXXX XXXX charge-off is also entirely unjustified. The account shows a {$0.00} balance, yet still sits on my reports as a derogatory mark nearly XXXX years later. According to the Fair Credit Reporting Act ( FCRA ), negative accounts like charge-offs are not only subject to strict reporting guidelines under 15 U.S.C. 1681c, but also must be reported with maximum possible accuracy under 15 U.S.C. 1681e ( b ). If the balance is XXXX and there is no remaining obligation, the account should be removed or, at the very least, accurately categorizednot reported in a way that misleads future lenders into thinking I defaulted on an unpaid obligation that still carries weight. 

Ive tried to resolve these issues through the traditional dispute processes with the credit bureaus, but I have received no meaningful investigation or response. No verification documents. No signed contracts. No billing statements. Nothing. Just silenceand continued harm to my creditworthiness. This type of neglect is both unfair and a direct violation of my rights under the FCRA, particularly 15 U.S.C. 1681i, which mandates reasonable investigations into disputed information and the removal of unverifiable data.

Company response to consumer: Closed with explanation