Consumer complaint received 2025-03-09 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:
I am writing to dispute and request the removal of inaccurate information that appears on my credit report provided by your agency. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I respectfully request that you investigate the accuracy of the data in question and immediately remove any erroneous or unverifiable information from my file. 
Below is a summary of the inaccuracies I have identified in my Equifax credit report, in comparison to the information ( or lack thereof ) found in XXXX and XXXX : XXXX. XXXX XXXX Account number reported by Equifax : XXXX Balance reported by Equifax : {$1500.00} / {$1500.00} Date reported ( Equifax ) : XX/XX/XXXX ( a future date that does not align with reality or other agencies ) Date opened ( Equifax ) : XX/XX/XXXX Date of last activity ( Equifax ) : XX/XX/XXXX Status : Derogatory, Collection/Chargeoff, closed account Inconsistency : XXXX and XXXX show no data or inconsistent details, while Equifax lists dates that do not match ( including a future reporting date ). 
XXXX. XXXX  Account number reported by Equifax : XXXX Balance reported ( Equifax ) : {$840.00} Date reported ( Equifax ) : XX/XX/XXXX Last payment ( Equifax ) : XX/XX/XXXX Status : Derogatory, Collection/Chargeoff Inconsistency : No information at XXXX or XXXX, suggesting discrepancies in both dates and status. There is no clear verification of the alleged account opening or closing dates. 
XXXX. XXXX  Account number reported by Equifax : XXXX Balance reported ( Equifax ) : {$140.00} Dates reported by Equifax XXXX Date opened : XX/XX/XXXX Last payment : XX/XX/XXXX ( a future date ) Date reported : XX/XX/XXXX ( also a future date ) Status : Derogatory, Collection/Chargeoff, closed account Inconsistency : The last payment and reporting dates are in the future, which is impossible and indicates an error. Neither XXXX nor XXXX provide similar data. 
XXXX. XXXX Account number reported by Equifax : XXXX Balance reported ( Equifax ) : {$890.00} Date reported ( Equifax ) : XX/XX/XXXX Last payment ( Equifax ) : XX/XX/XXXX ( a future date ) Status : Derogatory, Collection/Chargeoff, closed account Inconsistency : As with the other accounts, XXXX and XXXX do not show these data or any future dates. These inconsistencies negatively impact my credit history. 

Given the presence of future dates ( which are chronologically impossible ), the lack of consistency among the three bureaus, and the absence of coherent or verifiable details regarding the opening, payment, or closure of these accounts, I believe the reported information is inaccurate, incomplete, and potentially unverifiable. 
Therefore, I respectfully request that you : Conduct a thorough, manual investigation to verify the accuracy of the information with the original creditor, rather than relying solely on automated systems like e-OSCAR. 
Immediately remove from my report any data that is determined to be inaccurate, incomplete, or unverifiable. 
Provide a detailed explanation of the verification methodology used ( step by step ) and the results of that manual investigation. 
Legal Basis ( FCRA/TILA ) Right to Accurate Information ( FCRA, Section 609 15 U.S.C. 1681g ) I have the right to review the information in my credit report and to request that its authenticity be manually verified with the original creditor. 


Reinvestigation of Disputed Information ( FCRA, Section 611 15 U.S.C. 1681i ) I request a prompt reinvestigation of the information indicated as inaccurate.

Removal of Inaccurate or Unverifiable Information ( FCRA, Section 611 ( 5 ) 15 U.S.C. 1681i ( 5 ) ) If the reported information can not be verified or is found to be inaccurate after reinvestigation, it must be removed from the report by law.

Responsibilities of Data Providers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) Creditors or data furnishers are required to ensure that the information they report is truthful and complete, correcting or removing data that can not be validated.

Accuracy Procedures ( FCRA, Section 607 15 U.S.C. 1681e ( b ) ) Credit bureaus must maintain reasonable procedures to ensure maximum possible accuracy in consumer reports. The presence of clearly impossible information ( future dates, significant discrepancies ) indicates these procedures were not adequately followed. 


Permissible Purposes for Accessing a Credit Report ( FCRA, Section 604 15 U.S.C. 1681b ) I request confirmation that any access to my credit report to report these accounts was done for a legitimate purpose. If not, it constitutes a violation of the FCRA and I request removal of the improperly obtained or reported information. 


Truth in Lending Act ( TILA, Section 1601 15 U.S.C. 1601 ) TILA protects my right to accurate disclosures. These inconsistencies undermine the integrity of my credit file. 


Supporting Case XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXX XXXX XXXX, XXXX Both cases underscore the need for credit bureaus to conduct reasonable and thorough investigations when a consumer disputes the accuracy of information.

Company response to consumer: Closed with explanation