Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Re : Formal Complaint and Dispute of Inaccurate Credit Reporting XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

To Whom It May Concern : I am submitting this formal complaint and dispute pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., regarding two accounts being inaccurately and unlawfully reported on my consumer credit file. These violations also implicate the CFPBs supervisory authority under the Dodd-Frank Wall Street Reform and Consumer Protection Act, 12 U.S.C. 5511 et seq. 

The disputed accounts are : XXXX XXXX XXXX  FTC Report # XXXX XXXX XXXX XXXX XXXX FTC Report # XXXX Basis of My Dispute XXXX. XXXXXXXX XXXX XXXX  Reporting Errors The creditor admits it sold the account to a third party yet continues to report a balance as if it is active debt.

This is a violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) which prohibits furnishers from reporting information they know or have reason to know is inaccurate. 

The account should reflect a XXXX balance upon sale or assignment. Continuing to report otherwise is deceptive and constitutes furnishing false information. 

This practice also constitutes an unfair or deceptive act or practice ( UDAAP ) under 12 U.S.C. 5531. 

XXXX. XXXX XXXX XXXX XXXX Reporting Errors XXXX XXXX is re-aging a charge-off account that should have been deleted after the XXXX reporting period expired under 15 U.S.C. 1681c ( a ) ( 4 ) - ( 5 ). 

The account, with a first delinquency of XX/XX/XXXX, continues to reflect a balance, which is inaccurate, misleading, and outside the permissible reporting period. 

XXXX XXXX has a history of improper re-aging practices that have resulted in litigation. This behavior violates both FCRA 623 ( 15 U.S.C. 1681s-2 ) and CFPB supervisory expectations.

Violations of Law FCRA 607 ( b ), 15 U.S.C. 1681e ( b ) : Consumer reporting agencies must assure maximum p
ossible accuracy of information.

FCRA 611, 15 U.S.C. 1681i : Upon dispute, CRAs must conduct a reasonable reinvestigation. My disputes were not properly investigated.

FCRA 623 ( b ), 15 U.S.C. 1681s-2 ( b ) : Furnishers must investigate and correct disputed information when notified by a CRA. Both XXXX and XXXX XXXX failed. 

FDCPA 807, 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representation of a debt, including misstating balance or status.

12 U.S.C. 5531 ( CFPB Authority ) : Prohibits unfair, deceptive, or abusive acts or practices ( UDAAP ). 

Harm Suffered I have been denied safe housing opportunities due to these unlawful credit entries. 

I have suffered financial injury, reputational damage, and emotional distress due to the repeated violations. 

My identity information has been exposed on the dark web, increasing the likelihood of identity theft, which compounds the harm caused by false tradeline reporting. 

Requested Remedy I respectfully request that the CFPB : Order the permanent deletion of the disputed XXXX XXXX XXXX and XXXX XXXX XXXX XXXX accounts from my credit reports with all nationwide consumer reporting agencies. 

XXXX XXXX and XXXX XXXX to cease and desist from further unlawful reporting of these accounts. 

Require the furnishers and CRAs to provide written confirmation of deletion and correction of all inaccurate data. 

Investigate these repeated violations for potential civil penalties under 15 U.S.C. 1681n, 1681o, and 15 U.S.C. 1692k.

Supporting Documentation Attached FTC Fraud Report Ally Credit Card FTC Fraud Report XXXX XXXX XXXX XXXX XXXX reports showing ongoing inaccurate tradelines XXXX XXXX XXXX  Monitoring Report CFPB Annual Report on CRA complaints XXXX XXXX ) Conclusion These violations are knowing, willful, and repeated. Both XXXX and XXXX XXXX have failed to uphold their legal duties under federal law. I request immediate intervention, deletion of the unlawful accounts, and confirmation of corrective actions. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation