Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
Dear CFPB, I am filing this complaint regarding serious and repeated violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and U.S. Code by Experian, creditors, and third-party collectors listed in my Experian report ( Report # XXXX, dated XX/XX/XXXX ). 

The following accounts contain inaccurate, incomplete, or misleading information : 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 XXXXXXXX XXXX, and XXXX XXXX XXXX XXXX XXXX 

Violations include : Reporting inaccurate balances, statuses, and payment histories ( 15 U.S.C. 1681e ( b ), 1681s-2 ).

Failure to correct after disputes ( 15 U.S.C. 1681i ).

Continued reporting of disputed debts as undisputed ( FDCPA 807 ( 8 ) ).

Misrepresentation of charge-off and credit limit data ( FDCPA 807 ( 2 ) ( A ) ). 

In total, I have identified XXXX violations, entitling me to {$32000.00} in statutory damages. I demand immediate deletion of the inaccurate accounts, correction of all records, and compensation for damages. 

Please investigate this matter promptly and hold the data furnishers and Experian accountable for these violations. 

XXXX Reports open while showing repeated XXXX balances with late history. 

Inaccurate status reporting : XXXX XXXX requires consistency ( FCRA XXXX ). 

Violation : Failure to report accurately, mixed positive/negative data. 

XXXX violations. 

XXXX. XXXX XXXX Charged off but showing closed at creditors request multiple times. 

Balance history inconsistent : same balance repeated with {$0.00} paid since XXXX. 

Violations of FCRA 1681e ( b ) ( accuracy ), FDCPA 807 ( misleading representation ). 

XXXX violations. 

XXXX. XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX ) Reports ongoing delinquencies since XXXX without proper updates. 

Payment records show {$0.00} paid since XXXX but monthly obligations reported activecontradiction. 

FDCPA 807 ( 2 ) ( A ) misleading status. 

XXXX violations. 

XXXX. XXXX XXXX Charged off {$18000.00} but reported credit limit as {$16000.00} ( balance > limit not corrected ). 

Reinvestigation completed but error remains ( FCRA 611 ( a ) ). 

Multiple duplicate reporting of charge-off months. 

XXXX violations. 

XXXX. XXXX XXXX XXXX ( Debt Buyer ) Duplicate reporting of original creditor ( XXXX ) and collection balance. 

Shows disputed by consumer but still updates monthlyviolates FCRA 623 ( a ) ( 3 ).

FDCPA 807 ( 8 ) for reporting disputed debt as undisputed. 

XXXX violations. 

XXXX. XXXX XXXX XXXX Written off {$17000.00} but balance reported $ XXXX. 

Sold to XXXX XXXX, yet reporting continued under HSBCdouble jeopardy. 

XXXX violations. 

XXXX. XXXX XXXX Charge-off continues from XXXX through XXXX with no update of payments since XXXX. 

Inaccurate reporting violates FCRA 1681i ( failure to reinvestigate ). 

XXXX violations. 

XXXX. XXXX XXXX XXXX XXXX  Balance {$490.00} exceeds {$300.00} credit limit. 

Reports suspended credit line while still updating as open/charge-off. 

XXXX violations. 

XXXX. XXXX XXXX ( Credit Card {$10000.00} ) Charge-off reported but highest balance differs ( {$10000.00} vs {$10000.00} ). 

Multiple duplications of past due reporting across XXXX. 

XXXX violations. 

XXXX. XXXX XXXX ( XXXX  Loan {$1300.00} ) Charged off {$1300.00} but shows original balance {$5000.00} with no adjustment. 

Misreporting of original vs charged-off amount. 

XXXX violations. 

XXXX. XXXX XXXX XXXX XXXX ( XXXX Collection Accounts {$520.00} + {$620.00} ) Duplicate accounts for different original creditors but same reporting language. 

Reports disputed by consumer but still updated monthly. 

XXXX violations each ( XXXX total ). 

Totals Total Violations Identified : XXXX Statutory Damages per Violation : {$1000.00} ( FCRA/FDCPA ). 

Total Compensation Demand : {$32000.00}

Company response to consumer: Closed with explanation