Consumer complaint received 2025-11-08 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: FL

Complaint narrative:
Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Date : XX/XX/XXXX Subject : Formal Dispute and Demand for Correction of XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ________________________________________ To Whom It XXXX Concern : I, XXXX XXXX XXXX XXXX submitting this formal dispute and demand for correction regarding the inaccurate and unlawful reporting of my XXXX XXXX XXXX XXXXredit card account by the credit reporting XXXX TransUnion XXXX Experian, and Equifax, XXXX well as by Bank of America XXXX XXXX furnisher of such data. 

Upon reviewing my credit reports, I have identified substantial discrepancies, outdated updates, and violations of federal law that constitute a breach of my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX et seq., and the Fair Debt Collection Practices Act ( FDCPA ), XXXX XXXX. XXXX et seq. 
________________________________________ I. Account Information in Dispute Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Type : Revolving Credit Card Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Last Payment Made : XX/XX/XXXX Reported Balance : {$6300.00} Credit Limit : {$5500.00} Reported Status : Charge-off / Closed by XXXX XXXX Date Updated : XX/XX/XXXX ( TransUnion and Equifax ) XXXX XX/XX/XXXX ( Experian ) ________________________________________ II. Legal and Factual Basis for Dispute XXXX. Violation of FCRA XXXX ( a ) ( XXXX ) ( A ) Reporting of Inaccurate and XXXX XXXX Bank XXXX XXXX and the credit bureaus have reported this account as charged off but continue to update it with an active balance ( {$6300.00} ) and past due notation more than XXXX years after the account was closed. 
Such reporting falsely implies ongoing delinquency and misrepresents the legal status of the debt. 
This constitutes a violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishers from reporting information known, or reasonably known, to be inaccurate. 
________________________________________ XXXX. Violation of FCRA XXXX ( a ) ( XXXX ) Failure to Accurately Report Date of First Delinquency The date of first delinquency ( DOFD ) is inconsistently reported among the bureaus, with Equifax XXXX XX/XX/XXXX, while TransUnion and Experian omit or alter this date. 
Failure to consistently report this date extends the life of the negative mark, potentially delaying its lawful removal. 
This is a direct violation of XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), which mandates that furnishers must clearly identify the month and year of the first delinquency to ensure proper aging and removal of adverse information. 
________________________________________ XXXX. Violation of FCRA XXXX ( a ) ( XXXX ) and XXXX ( b ) Continued Reporting of Obsolete or Inaccurate Information The FCRA strictly prohibits consumer reporting agencies from maintaining and reporting information that is obsolete, outdated, or misleading. 
Updating a closed and charged-off account with a balance in XXXX despite the last activity in XXXX constitutes unlawful re-aging of the account. 
This violates XXXX XXXX. XXXX ( a ) ( XXXX ) and XXXX ( b ), which require that consumer reports reflect only accurate and verifiable information. 
________________________________________ XXXX. Violation of FDCPA XXXX ( XXXX ) ( A ) False Representation of the Legal Status of a Debt Although this account has been closed and charged off since XXXX, it is being reported as though it remains past due and actively delinquent. 
Such representation is deceptive and misleading, violating XXXX XXXX. XXXX ( XXXX ) ( A ), which prohibits the false representation of the character, amount, or legal status of any debt. 
________________________________________ XXXX. Violation of FCRA XXXX ( a ) Right to Dispute and Demand for Reinvestigation Under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), I am entitled to a complete reinvestigation within 30 days of receipt of this dispute. 
This investigation must include verification directly from the furnisher of information XXXX Bank XXXX XXXX ). 
If the information can not be verified as accurate and complete, it must be promptly deleted from all consumer credit reports under XXXX ( a ) ( XXXX ) ( A ). 
________________________________________ XXXX. DEMAND FOR ACTION I hereby demand that the Consumer Financial Protection Bureau ensure compliance with all provisions of the FCRA and FDCPA by both XXXX XXXX XXXXXXXX and the credit bureaus ( TransUnion, Experian, and Equifax ). 
Specifically, I request the following corrective actions : XXXX. XXXX a formal reinvestigation into the reporting of the XXXX XXXX  XXXX account. 
XXXX. XXXX XXXX XXXX XXXXXXXX to provide documentation verifying the accuracy and date of first delinquency. 
XXXX. Remove or correct any inaccurate, outdated, or unverifiable data, including false past due notations. 
XXXX. Confirm in writing the completion of this reinvestigation and the outcome of all corrections made to my credit files. 
XXXX. Ensure that this information is not reinserted or re-aged in the future without full verification, as required under FCRA XXXX ( a ) ( XXXX ) ( B ). 
________________________________________ XXXX. Conclusion The continued and inconsistent reporting of this account constitutes a violation of federal consumer protection law and has caused measurable harm to my credit standing. 

I therefore insist upon immediate remedial action as provided under the Fair Credit Reporting Act ( XXXX XXXX. XXXX et seq. ) and the Fair Debt Collection Practices Act ( XXXX XXXX. XXXX et seq. ). 

Failure to comply will compel me to pursue further legal remedies and file a formal complaint citing willful noncompliance under FCRA XXXX and XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief