Consumer complaint received 2025-12-16 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 submitting this complaint regarding serious and ongoing violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) involving the reporting of Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  on my credit reports with TransUnion, Experian, and Equifax. 

This is not a routine dispute. It is a complaint concerning materially inaccurate, misleading, and legally non-compliant reporting, despite the clear statutory duty to maintain maximum possible accuracy.

SUMMARY OF VIOLATIONS 1. Inaccurate and Inconsistent Reporting 15 U.S.C. 1681e ( b ) This single account is reported with conflicting factual data across the three nationwide credit reporting agencies, including but not limited to : Different high balances ( {$0.00} vs {$1900.00} ) Different credit limits ( {$1500.00} vs {$0.00} ) Different account types ( XXXX XXXX XXXX XXXX XXXX XXXX ) Missing or conflicting closed dates Conflicting creditor remarks Different dates of last activity A single account can not legally exist in multiple factual states simultaneously. This constitutes a direct violation of the requirement to maintain maximum possible accuracy. 

2. Illegal Re-Aging and Continued Reporting 15 U.S.C. 1681c ( a ) ( 4 ), 1681s-2 ( a ) ( 5 ) This account was charged off and closed, yet continues to show : Date Reported updates in XXXX Recent verification activity Ongoing derogatory reporting with no new consumer activity This practice unlawfully extends the life and impact of a derogatory tradeline, which federal law expressly prohibits.

3. Misleading Balance Reporting After Charge-Off 15 U.S.C. 1681s-2 ( a ) ( 2 ) The account is reported as : Charged off as bad debt Profit and loss write-off Yet an active balance of {$1900.00} continues to be reported without clear disclosure of lawful ownership, transfer, or collection authority. This is materially misleading to users of my credit report. 

4. Failure to Report Disputed Status 15 U.S.C. 1681s-2 ( a ) ( 3 ) The credit reports state Account not disputed, which is false.

Failure to properly mark a disputed account as disputed is a per se FCRA violation that materially harms the consumer.

5. Improper Collection Status Coding 15 U.S.C. 1681e ( b ) The tradeline reports Collection / Charge-Off on what is represented as an original creditor account. Original creditors do not report collection activity. This status coding is misleading, inaccurate, and non-compliant with Metro 2 standards.

HARM CAUSED This inaccurate and unlawful reporting has caused : Suppression of my TransUnion credit score Ongoing reputational harm Increased credit risk classification Denial of credit opportunities Emotional distress and financial injury PRIOR NOTICE The companies involved have been placed on formal written notice of these violations via a pre-litigation FCRA demand letter demanding deletion. Despite notice, the inaccurate reporting remains. 

RESOLUTION DEMANDED I am requesting that the CFPB require the following corrective action : Immediate deletion of Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  from TransUnion, Experian, and Equifax Written confirmation of deletion A full explanation of how such materially inconsistent data was allowed to be reported and verified Assurance that no further inaccurate reporting will occur Correction is no longer acceptable. Due to the severity and volume of violations, deletion is the only lawful remedy.

Company response to consumer: Closed with explanation