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: LA

Complaint narrative:
Below is the formatted letter to the XXXX XXXX XXXX XXXX XXXX XXXX that you can copy and paste. It incorporates the details you provided, including your contact information, and addresses the potential FCRA violations by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. The letter is professional, clear, and designed to prompt action from the XXXX. 

XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Louisiana and the XXXX XXXX XXXX XXXX XXXX LA XXXX Subject : XXXX Against XXXX Lending XXXX and XXXX XXXX XXXX XXXX  for FCRA Violations Dear XXXX XXXX XXXX XXXX XXXX  XXXX XXXX to file a formal complaint against XXXX Lending LLC and XXXX XXXX XXXX Codes for potential violations of the Fair Credit Reporting Act ( FCRA ) that have negatively impacted my credit report and financial standing. Despite my efforts to resolve these issues directly with the credit bureaus, the inaccuracies persist, and I am seeking your assistance to mediate this matter and ensure compliance with federal law. 
Details of the XXXX obtained my credit report on XX/XX/XXXX, and identified several inaccuracies that I believe violate the FCRA : XXXX Reporting Beyond Time Limits ( XXXX XXXX XXXX ) My credit report includes an account from XXXX XXXX XXXX with a last activity date of XX/XX/XXXX and a closure date of XX/XX/XXXX. According to FCRA Section 605 ( a ), negative information can not be reported after 7 years from the date of first delinquency ( XXXX years with a XXXX grace period ). This account, being over XXXX XXXX XXXX as of my XX/XX/XXXX report, should have been removed by XXXX at the latest. Its continued presence on my credit report is a potential violation of the FCRA and XXXX be unfairly affecting my credit score. 
XXXX Duplicate Reporting ( XXXX XXXX XXXX XXXX  ) My credit report lists XXXX accounts under XXXX XXXX XXXX XXXX  with identical details : a last activity date of XX/XX/XXXX, a balance of {$0.00}, and a high credit of {$0.00}. These identical entries suggest that the same account is being reported multiple times, which is a violation of the FCRAs accuracy standards. Duplicate reporting can unfairly lower my credit score by inflating the appearance of accounts on my report, and I believe this is an error that needs correction. 
Impact on XXXX inaccuracies have caused significant frustration and concern, as they XXXX be negatively affecting my credit score and limiting my financial opportunities, such as obtaining loans or favorable interest rates. I have already disputed these issues with the credit bureaus ( Equifax, XXXX, and XXXX ) on [ date of your dispute, if applicable ], but the errors remain unresolved, prompting me to seek your assistance. 
Requested ResolutionI respectfully request that the XXXX XXXX XXXX investigate this matter and mediate with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  to ensure the following : I appreciate your assistance in resolving this matter promptly and ensuring that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX comply with FCRA regulations. 
Thank you for your attention to this complaint. I look forward to your response and a resolution to this issue. 
Sincerely, XXXX XXXX XXXX XXXX LA XXXX Key Citations 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports | U.S. Code | XXXX Law | XXXX XXXX XXXX XXXX XXXX The XXXX Most Common Fair Credit Reporting Act Violations - XXXX XXXX XXXX on Credit Reports| Same Debt | XXXX How to Deal With Duplicates on Your Credit Reports- XXXX XXXX XXXX XXXX XXXX on Reporting and The FCRA | XXXX, XXXX. 
Understanding the Fair Credit Reporting Act XXXX Blog Disputing Errors on Your Credit Reports | Consumer Advice How to Write a XXXX Dispute Letter That Actually Repairs Your Credit - Ware Law Firm CFPB Complaint Portal Fair Credit Reporting Act | Federal Trade Commission

Company response to consumer: Closed with non-monetary relief