Consumer complaint received 2025-06-05 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: MO

Complaint narrative:
To Whom It May Concern, My name is XXXX, and I am submitting this complaint to formally dispute the inaccurate, incomplete, and misleading information reported on my credit report by multiple creditors and collection agencies. The issues concern late payments, charge-offs, and an improperly reported bankruptcy reference that have significantly harmed my creditworthiness. 
I have reviewed my credit report in detail and identified multiple violations of federal law, particularly the Fair Credit Reporting Act ( FCRA ), which mandates accurate and complete reporting of consumer credit information, and the Fair Debt Collection Practices Act ( FDCPA ), which regulates fair treatment by debt XXXX. These violations have caused me financial and emotional distress, and I request immediate action to correct these inaccuracies. 
Below is a detailed account-by-account breakdown : 1. XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX High Balance : {$2000.00} Issue : Late Payment Reporting Legal Violation : Under FCRA 1681s-2 ( b ), furnishers must report accurate payment history. Reporting late payments without verification violates this provision. 
2. XXXX XXXX ACCEPT Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$21000.00} Issue : Late Payment Reporting Legal Violation : Same as above, inaccurate late payment records violate FCRA 1681s-2 ( b ).

3. XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX High Balance : {$17000.00} Issue : Charge-Off Incorrectly Reported Legal Violation : Per FCRA 1681e ( b ), credit information must be complete and accurate. An erroneous charge-off damages credit unfairly.

4. XXXX XXXX Accounts Account Numbers : XXXX * *, XXXX * *, XXXX * *, XXXX * * Dates Opened : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX High Balances : {$990.00}, {$130.00}, {$110.00}, {$96.00} Issue : Late Payment Reporting on all accounts Legal Violation : The same FCRA obligation applies to all Affirm accounts with inaccurate late payment marks, violating 1681s-2 ( b ).

5. Bankruptcy Reference Reference Number : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Bankruptcy Reference Reported Inaccurately or Without Proper Context Legal Violation : Per FCRA 1681i ( a ), inaccurate or misleading bankruptcy information must be corrected or removed to prevent consumer harm. 
Summary of Violations and Requests : Multiple creditors have reported inaccurate late payments and charge-offs, violating my rights under FCRA 1681e ( b ), 1681i, 1681s-2 ( b ).

The bankruptcy reference appears inaccurate or incomplete, violating FCRA 1681i ( a ).

These errors have severely damaged my credit score and financial standing. 
I request that all inaccurate, unverifiable, or misleading information be fully investigated, corrected, or removed from my credit reports in compliance with the FCRA. 
I also request notification of these corrections be sent to all three major credit bureaus ( XXXX, TransUnion, and XXXX  ) and to me in writing. 
Please consider this complaint with the utmost urgency. If these inaccuracies are not corrected promptly, I am prepared to escalate this matter further, including pursuing legal remedies under the FCRA and FDCPA. 
Thank you for your prompt attention to this serious matter.

Company response to consumer: Closed with explanation