Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
To Whom It May Concern : I am formally disputing multiple accounts on my Equifax credit report that are inaccurate, incomplete, unverifiable, and in violation of federal law. I am exercising my rights under the Fair Credit Reporting Act ( FCRA 602, 607, 609, 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807, 808 ).

The following accounts are reporting erroneous, misleading, inflated, or contradictory information, and I demand full deletion immediately. 

XXXX. XXXX  XXXX ( Acct # XXXX ) Opened : XX/XX/XXXX | Status : Charged off {$52.00}, past due {$52.00} as of XX/XX/XXXX Original balance : {$520.00} | Terms : 12 months Payment History XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Histories : XX/XX/XXXX {$52.00}, paid {$0.00} on XX/XX/XXXX ; XX/XX/XXXX {$52.00}, paid {$0.00} on XX/XX/XXXX ; XX/XX/XXXX {$52.00}, paid {$88.00} on XX/XX/XXXX ; XXXX XXXX {$140.00}, paid {$0.00} on XX/XX/XXXX ; ( full details as provided above ) Errors : o Only {$52.00} written off from {$520.00} ; {$470.00} unexplained. 
o Payment history inconsistent with impossible balances and dates.

o Violates FCRA 607 ( b ) ( maximum accuracy ) and FDCPA 808 ( unauthorized fees ). 

XXXX. XXXX XXXX BANK XXXX Acct # XXXX ) Opened : XX/XX/XXXX | Status : Charged off {$440.00}, past due {$440.00} Credit Limit XXXX {$300.00} | Highest Balance : {$440.00} Payment History : o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Histories : XX/XX/XXXX {$440.00}, paid {$0.00} on XX/XX/XXXX ; ( all other months as provided ) Errors : o Balance exceeds credit limit without documentation. 
o Payment history misrepresented ; impossible past due sequences.

o Violates FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ) and FDCPA 807, 808. 

3. XXXX ( Acct # XXXX ) Opened : XX/XX/XXXX | Status : Charged off {$790.00}, past due {$790.00} Credit Limit XXXX {$400.00} | Highest Balance : {$790.00} Payment History : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Histories : XX/XX/XXXX {$790.00}, paid {$0.00} on XX/XX/XXXX ; ( all other months as provided ) Errors : o Balance exceeds reported credit limit ; unverifiable. 
o Violates FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ) and FDCPA 807, 808. 

XXXX. XXXX XXXX XXXX ( Acct # XXXX ) Opened : XX/XX/XXXX | Status : Collection {$3200.00} past due ( XX/XX/XXXX ) Original Balance : {$2600.00} | Terms : 1 month Payment History : Collection as of XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX, Balance Histories : XX/XX/XXXX {$3200.00}, paid {$0.00} ; ( all months provided above ) Errors : o Balance inflated by {$630.00} ; unverifiable. 
o Violates FCRA 607 ( b ) and FDCPA 808. 

XXXX. XXXX XXXX XXXX ( Acct # XXXX ) Opened : XX/XX/XXXX | Status : Collection {$890.00} past due ( XX/XX/XXXX ) Original Balance : {$890.00} | Terms : 1 month Payment History : XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX Errors : o Terms : 1 month inaccurate ; collection can not have loan terms. 
o No chain of title verification ; violates FCRA 607 ( b ), 611, FDCPA 807, 808. 

XXXX. XXXX BANK XXXX ( Acct # XXXX ) Opened : XX/XX/XXXX | Status : Charged off {$580.00}, past due {$580.00} Credit Limit : {$500.00} | Highest Balance : {$600.00} Payment History : XX/XX/XXXX XX/XX/XXXX ( full month-by-month history as above ) Errors : o Highest balance exceeds credit limit ; impossible without documentation. 
o Potential illegal re-aging. 
o Violates FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ). 

XXXX. XXXX XXXX XXXX ( Acct # XXXX ) Opened : XX/XX/XXXX | Status : Open {$810.00} past due ( XX/XX/XXXX ) Balance : {$28000.00} | Original Balance : {$53000.00} Payment History : XXXX XXXX ( full as above ) Errors : o Past due amounts inconsistent with payment history. 
o Violates FCRA 607 ( b ), 611. 

XXXX. XXXX XXXX XXXX XXXX ( Acct # XXXX ) Opened : XX/XX/XXXX | Status : Charged off {$6200.00}, past due {$6200.00} Original Balance : {$8000.00} | Terms : 60 months Payment History : XXXX XXXX ( full as above ) Errors : o Account can not be simultaneously charged off and past due. 
o Violates FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ). 

XXXX. XXXX XXXX XXXX ( Acct # XXXX ) Opened : XX/XX/XXXX | Status : Closed {$810.00} written off, balance {$0.00} Payment History : XX/XX/XXXX XXXX ; full as above Errors : o Sold to XXXX XXXX XXXX XXXX but balance incorrectly reported. 
o Violates FCRA 607 ( b ), 611, 623 ( a ) ( 1 ) ( A ).

Legal Grounds for Deletion FCRA 607 ( b ) : All information must be reported with maximum accuracy.

FCRA 611 ( a ) ( 1 ) ( A ) : Right to dispute and demand reinvestigation.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishers must not report information they know, or should know, is inaccurate.

FDCPA 807 ( 2 ) ( A ) : Debt collectors can not misrepresent debts.

FDCPA 808 : No unauthorized fees or charges. 

Demand I demand : 1. Immediate reinvestigation of all disputed accounts.

2. Permanent deletion of any account that can not be fully verified.

3. Written confirmation of deletion within 30 days.

Failure to comply constitutes a willful violation of FCRA, making your bureau liable for statutory damages, attorney fees, and legal action under 15 U.S.C. 1681n. Partial corrections or re-aging attempts are unacceptable. 
Sincerely, XXXX XXXX SSN ( last 4 digits ) : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with explanation