Consumer complaint received 2024-12-12 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: TN

Complaint narrative:
Subject : Dispute Letter for Inaccurate Credit Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate and improper reporting of accounts and inquiries listed on my credit reports from XXXX, Equifax, and XXXX. Below is a detailed list of the inaccuracies and violations, along with a demand for corrective actions and compensation for each violation. 

Accounts with Inaccuracies and Violations XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX - **Violation** : Reporting as " Collection/Charge-off '' despite the account being closed and paid. 
- **Details** : Account status incorrectly marked as " Seriously Past Due Date/account Assigned To Attorney, Collection Agency, Or XXXX XXXX Internal Collection Department XXXX XXXX XXXX. XXXX XXXX XXXX - XXXXAccount NumberXXXX : XXXXXXXX XXXX XXXXViolationXXXX XXXX  Incorrect reporting of " Collection/Charge-off '' for months where no activity occurred. 
- **Details** : Falsely recorded adverse events for XXXX, XXXX, and XX/XX/year> despite no new data or payments. 

XXXX. XXXX XXXX XXXX - XXXXAccount NumberXXXXXXXX XXXX XXXX XXXX XXXXViolationXXXX  : Reporting inaccurate information regarding the account status and history. 
XXXX XXXXDetailsXXXX XXXX Account flagged for collections without valid documentation or consumer notification. 

XXXX XXXXBankruptcy AccountXXXX XXXX XXXXAccount Type** : XXXX  XXXX Bankruptcy - XXXXViolationXXXX XXXX Improperly reported as dismissed despite being previously settled. 
- **Details** : Inaccurate docket identifier and inconsistent dates across the credit reports. 

XXXX XXXX XXXX XXXX XXXXAccount Number** : XXXX - **Violation** : Reporting inaccurate information and failure to validate the account upon request. 
- **Details** : Account reported without proper verification of its legitimacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number** : XXXX - XXXXViolationXXXX : Failure to validate account and inaccurate reporting. 
XXXX XXXX*DetailsXXXX XXXX Account listed without proper documentation or permissible purpose. 

XXXX. XXXX - XXXXAccount NumberXXXX : XXXX - XXXX : Inaccurate reporting and failure to validate account. 
- **Details** : Account reported without consumer consent or proper notification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccount Number** : XXXX - **Violation** : Inaccurate reporting and lack of proper validation. 
- **Details** : Account history flagged with inconsistencies and unresolved disputes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX - **Violation** : Reporting private matters that violate 15 USC 1681. 
- **Details** : Account listed with confidential information that should not appear on my credit profile. 

XXXX. XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX **Violation** : Inaccurate reporting and failure to validate account. 
- **Details** : Account included without proper investigation or consent. 

XXXX. XXXX XXXX XXXX - XXXX XXXX : XXXX - **Violation** : Reporting private matters in violation of 15 USC 1681. 
- **Details** : Account details improperly shared and reported. 

XXXX. XXXX XXXX XXXX - XXXX XXXX : XXXX - **Violation** : Reporting private matters and inaccuracies in account details. 
- **Details** : Violates provisions ensuring privacy under 15 USC 1681. 

XXXX. XXXX - XXXX XXXX : XXXX - XXXX : Reporting private matters and inaccuracies in account details. 
- **Details** : Violates provisions ensuring privacy under 15 USC 1681. 

XXXX. XXXX - XXXX XXXX : XXXX - XXXX : Reporting private matters and inaccuracies in account details. 
- **Details** : Violates provisions ensuring privacy under 15 USC 1681. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX - **Violation** : Reporting private matters and inaccuracies in account details. 
- **Details** : Violates provisions ensuring privacy under 15 USC 1681. 

XXXX. XXXX XXXX - XXXX XXXX : XXXX - **Violation** : Reporting private matters and inaccuracies in account details. 
- **Details** : Violates provisions ensuring privacy under 15 USC 1681. 

XXXX. XXXX XXXX - XXXX XXXX : XXXX - XXXX : Failure to validate account and inaccurate reporting. 
- **Details** : Account reported without proper verification of legitimacy. 

XXXX XXXX XXXX XXXX XXXXAccount Number** : XXXX - **Violation** : Failure to validate account and inaccurate reporting. 
- **Details** : Account listed without proper documentation or consumer consent. 


Non-Account-Holding Inquiries XXXX XXXXInquiry DateXXXX XXXX XXXXXX/XX/year>XXXX XXXX XXXXCompanyXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Non-account-related inquiry without permissible purpose. 

XXXX. **Inquiry Date** : XX/XX/scrub> XXXX XXXX XXXX XXXXCompanXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXViolationXXXX XXXX Inquiry not associated with any active or permissible account relationship.

Company response to consumer: Closed with non-monetary relief