Consumer complaint received 2025-03-15 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 writing to formally dispute multiple collection accounts that appear on my credit report. Under my rights through the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, I respectfully request that an investigation be conducted and that any inaccurate, incomplete, or unverifiable accounts be removed immediately. 
Accounts in Dispute : XXXX Account Number ( partially masked ) : XXXX Balance : {$1300.00} Charge-off Status : Charged off account / Amount in high credit original charge-off amount Last Reported : XX/XX/XXXX ( Equifax ) XXXX XXXX Account Number ( XXXX masked XXXX XXXX XXXX Balance : {$6900.00} Charge-off Status : Consumer disputes this account information / Charged off account Last Reported : XX/XX/XXXX ( Equifax ) XXXX Account Number ( partially masked ) : XXXX Balance : {$5400.00} Charge-off Status : Charged off account / Accounts closed by XXXX XXXX Last Reported : XX/XX/XXXX ( Equifax ) XXXX XXXX Account Number ( partially masked ) : XXXX Balance XXXX {$3500.00} Charge-off Status : Charged off account / Accounts closed by credit grantor Last Reported : XX/XX/XXXX ( Equifax ) XXXX XXXX ( XXXX Accounts ) Account Numbers ( partially masked ) : XXXX XXXX XXXX Balances : {$4400.00} & {$2500.00} Charge-off Status : Charged off account / Accounts closed by XXXX XXXX Last Reported : XX/XX/XXXX ( Equifax ) XXXX XXXX XXXXXXXX Account Number ( partially masked ) : XXXX Balance : {$7600.00} Charge-off Status : XXXX off account XXXX XXXX closed by XXXX XXXX Last Reported : XX/XX/XXXX ( Equifax ) XXXX  Account Number ( partially masked ) : XXXX Balance : {$2000.00} Charge-off Status : Charged off account Last Reported XXXX XX/XX/XXXX ( Equifax ) Basis for Dispute : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I have the right to obtain and review the information contained in my credit report. I request detailed verification of these accounts, including original agreements, payment histories, and proof of debt validation. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Given discrepancies among credit bureaus, I request a thorough reinvestigation and correction of any erroneous information.

Removal of Unverifiable Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : If any account can not be verified with original documents, it must be deleted from my credit report immediately. 
Responsibilities of Information Providers ( FCRA, Section 623 - 15 U.S.C. 1681s-2 ) : Creditors must ensure reported data is accurate. If they fail to validate these accounts, they must be corrected or removed.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The presence of conflicting or inaccurate data suggests reasonable procedures were not followed.

Permissible Purpose for Reporting ( FCRA, Section 604 - 15 U.S.C. 1681b ) : If any reporting was unauthorized or done in error, it constitutes an FCRA violation and should be addressed accordingly.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : Creditors are required to provide clear, accurate disclosures. If charge-offs were misreported, it may violate TILA. 
Supporting Case Law : XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX. XXXX ) Reinforces the requirement of thorough investigations in consumer disputes. 
XXXX XXXX XXXXXXXX XXXX Highlights the necessity of following proper procedures when reporting debts. 
Request : I respectfully request : A full investigation into each disputed account. 
Removal of any account that can not be fully verified. 
A detailed report on the steps taken in the verification process. 
Consequences of Non-Compliance : Failure to address these requests may be considered an unfair and deceptive practice under UDAAP ( Unfair, Deceptive, or Abusive Acts and Practices ) and may result in formal complaints with : Attorney Generals Office Federal Trade Commission ( FTC ) XXXX XXXX XXXX ( XXXX ) Additionally, I reserve the right to pursue legal remedies, including small claims action, if necessary. 
Thank you for your prompt attention to this matter. I look forward to a response within 30 days, as required under the FCRA.

Company response to consumer: Closed with explanation