Consumer complaint received 2025-04-08 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:
Subject : Formal Multi-Account Dispute Request for Deletion or Correction Due to FCRA XXXX XXXX XXXX Violations To Whom It May Concern, I am formally disputing multiple derogatory accounts currently being reported on my credit file. These accounts contain serious factual errors, outdated remarks, and contradictory information that violate the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Compliance Reporting Standards. 
Please consider this a comprehensive and legal dispute under FCRA 1681i, 1681e ( b ), and 623, and initiate full reinvestigation or deletion of the following : Accounts in Dispute ( Summary of Violations ) : XXXX. XXXX XXXX XXXX Status shows " open '' while reporting XXXX  days late, which violates XXXX XXXX reporting logic. 
Inconsistent late payment records and no clear validation of the past due amount ( {$XXXX} ). 

XXXX. XXXX XXXX XXXX  XXXX Reports a collection balance of {$XXXX} without validated date of last payment. 
Marked as disputed but no resolution provided. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX Conflicting credit limit ( {$XXXX} ), past due, and balance fields. 
Charged-off while still showing as secured, yet no accurate closing/payment history provided. 

XXXX. XXXX XXXX Reports {$XXXX} past due, more than high credit ( {$XXXX} ) factually inaccurate. 
No proof of last payment or contractual obligation. 

XXXX. XXXX  Reported as paid with {$0.00} balance, yet shows late payments without context or verified aging. 
If closed in good standing, delinquencies are misleading and penalize score. 

XXXX. XXXX XXXX of only {$XXXX} in collection, but no itemized statement or payment history exists. 
No last payment data ; XXXX XXXX violation. 

XXXX. XXXX XXXX XXXX a closed charge-off with conflicting high credit and credit limit fields. 
Inconsistent late payment history between reporting dates. 

XXXX. XXXX  XXXX ( XXXX separate tradelines ) Multiple accounts showing charge-offs with unverified dispute remarks, inflated balances, and inconsistent high credit/past due fields. 
XXXX account was in dispute resolved but still reports derogatory language with no documented result. 

XXXX. XXXX XXXX XXXX XXXX XXXX  Reports high delinquencies and a balance that exceeds the credit limit. 
Conflicting last payment dates across bureaus. 

XXXX. XXXX XXXX  Account balance exceeds reported credit limit mathematically and factually incorrect. 
XXXX late buckets with unverified activity possible re-aging of the account. 

XXXX. XXXX XXXX XXXX  Reports excessive delinquencies after charge-off, violating XXXX XXXX XXXX logic. 

Account was marked as disputed, but resolution is unclear and not updated properly. 

Violations Noted Across All Accounts : FCRA 1681e ( b ) : Failure to ensure maximum accuracy and consistency.

FCRA 1681s-2 ( b ) : Furnishers must correct, update, or delete inaccurate info.

FCRA 611 ( a ) ( 5 ) ( A ) : Dispute not updated with proper outcome. 
XXXX XXXX Violations : Conflicting status codes, misreported charge-offs, inconsistent late buckets, and missing fields ( XXXX, last payment, credit limits ).

Company response to consumer: Closed with non-monetary relief