Consumer complaint received 2025-08-11 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: NC

Complaint narrative:
This is a formal complaint regarding inaccurate, unverifiable, and damaging information appearing on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681e ( b ) for maximum possible accuracy, 1681i for reinvestigation of disputed information, and 1681s-2 ( b ) for the duty of furnishers to investigate and correct errors. The following addresses and accounts are being reported without proper verification, causing significant harm to my creditworthiness, emotional well-being, and financial stability. 
XXXX XXXX  XXXX Balance {$1800.00} Date Opened XXXX Collection XXXX XXXX ISSUE : Duplicate reporting of the same debt with conflicting balances and dates, violating accuracy and fairness laws. LAW : FCRA 1681i ( a ) prohibits duplicate and misleading listings ; FDCPA 807 forbids false representation of debt status. STORY : Appearance of two entries for the same account with differing balances and dates confuses creditors and damages my credit score. Despite repeated requests to verify this information, proper validation was not provided, suggesting willful negligence or error. 

XXXX XXXX  XXXX Balance {$1800.00} Date Opened XXXX Collection XXXX XXXX ISSUE : Repeated conflicting data for the same account adds confusion and harm. LAW : Violations under FCRA 1681 and FDCPA 807 continue with duplicate reporting. STORY : Reporting two different balances for one account without justification misleads credit decision systems and unfairly penalizes me financially. This undermines trust and transparency in credit reporting. 

XXXX XXXX XXXX Balance {$2200.00} Date Opened XXXX Collection XXXX XXXX ISSUE : No original creditor is named ; account details are incomplete and unverifiable. LAW : FCRA 1681g requires disclosure of creditor ; FDCPA 809 mandates debt validation. STORY : I have no knowledge or records of this debt. No verification letters, contracts, or chain of custody documents were ever provided. This unverifiable account violates my consumer rights and damages my credit unfairly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$3400.00} Date Opened XXXX Late Payment XXXX XXXX ISSUE : Failure to update account status post settlement ; inaccurate delinquency reports remain. LAW : FCRA and FDCPA prohibit incorrect and misleading reporting. STORY : Despite settling the debt in full, the creditor has not updated the report to show this, resulting in unjust credit damage. 

XXXX XXXX XXXX Balance {$3300.00} Date Opened XXXX Late Payment ISSUE : Reporting ignores dispute resolutions and account updates. LAW : FCRA 1681i ( a ). STORY : My dispute was valid and resolved in my favor, yet negative information remains, falsely portraying my credit responsibility. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance {$2700.00} Date Opened XXXX Late Payment XXXX XXXX  ISSUE : Incorrectly reported late payments ; overstates negative payment history. LAW : FCRA accuracy provisions. STORY : Payments were made timely in several months, but these have been inaccurately reported as late, unfairly lowering my credit score. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00} Date Opened XXXX Late Payment XXXX XXXX ISSUE : Misreported payment dates and balances. LAW : FCRA 1681e ( b ). STORY : Despite timely payments, late status was incorrectly assigned, harming my credit profile. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date Opened XXXX Charge Off XXXX ISSUE : Continuing to report a charge-off after dispute and resolution. LAW : FCRA requires accurate updates post dispute. STORY : The charge-off was resolved, but the report remains inaccurate and damaging. 

XXXX XXXX XXXXXXXX XXXX XXXX Balance {$43000.00} Late Payment XXXX ISSUE : Massive balance reported without supporting documentation or contractual proof. LAW : FCRA and FDCPA require validation and accuracy. STORY : No payment breakdown or contract has been provided ; this inflated balance is damaging my ability to refinance and manage finances. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date Opened XXXX Late Payment XXXX XXXX ISSUE : Incorrectly reported late payment on closed account. LAW : FCRA 1681c. STORY : This misleading information misrepresents my payment history and negatively impacts credit decisions. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date Opened XXXX Late Payment * ISSUE : Late payment reported after account closure and XXXX balance. LAW : FCRA 1681e ( b ). STORY : This false late payment affects my credit unfairly despite regular payments and account closure status. 

XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} Date Opened XXXX Late Payment XXXX ISSUE : Negative information reported beyond legal reporting timeframe. LAW : FCRA 605 ( a ). STORY : This obsolete negative item is significantly harming my credit despite legal limits on such reporting. 

RESOLUTION REQUESTED Permanent deletion of the two inaccurate addresses listed above.

Permanent deletion of the three charge-off accounts due to lack of verification and inaccuracy.

Written confirmation from all credit bureaus that the deletions have been completed. 
LEGAL NOTICE If the above items are not removed within 30 days as required by the FCRA, I will pursue further remedies including filing additional complaints with the FTC, State Attorney General, and initiating legal proceedings in federal court under 15 U.S.C. 1681n for willful noncompliance and damages.

Company response to consumer: Closed with non-monetary relief