Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
This is a formal complaint and demand for investigation pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and Title XXXX of the United States Code ( XXXX ). The following accounts are being inaccurately reported, re-aged, duplicated, or misrepresented on the consumers credit reports across Experian, Equifax, and TransUnion. These errors have caused substantial harm, financial embarrassment, and credit denial. Each account below contains specific factual inaccuracies and legal violations requiring immediate correction, deletion, or compensation as permitted by law. XXXX XXXX XXXX XXXX XXXX Inaccurate Information : Reported as a collection account with no original creditor identified, no account history, and conflicting balance details. Violations : FCRA XXXX ( b ) Failure to assure maximum possible accuracy. FCRA XXXX ( a ) ( XXXX ) ( A ) Missing original creditor information. FDCPA XXXX ( XXXX ) ( A ) Misrepresentation of account character. XXXX U.S.C. XXXX ( b ) Failure to correct duplicate data after dispute. Violations : XXXXCompensation : {$5000.00} Resolution : Immediate deletion and statutory compensation. XXXX. XXXX XXXX XXXX ( The Bank XXXX Missouri ) Inaccurate Information : Duplicate entries under varying names, inconsistent dates of last activity, and status listed as Charge Off without proof. Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Inaccurate and incomplete information furnished. FCRA XXXX ( c ) Improper re-aging to extend reporting period. FDCPA XXXX ( XXXX ) ( A ) False representation of debt status. Violations : XXXXCompensation : {$5000.00} Resolution : Delete and provide documentation of charge-off verification. XXXX. XXXX XXXX XXXX ( XXXX Bank ) Inaccurate Information : Account listed multiple times with inconsistent Date Opened and Date of Last Activity. Violations : FCRA XXXX ( b ) Failure to maintain accuracy. FDCPA XXXX ( XXXX ) Misleading implication of valid collection account. Violations : XXXXCompensation : {$4000.00} Resolution : Remove duplicate and re-aged listings. XXXX. XXXX XXXX ( Credit Limit {$600.00} ) Inaccurate Information : Reports as Charged Off despite conflicting statuses across bureaus ; inconsistent balance amounts exceeding credit limit. Violations : FCRA XXXX ( b ) Inaccurate information. FCRA XXXX ( a ) ( XXXX ) ( A ) Furnishing known inaccurate data. FCRA XXXX ( a ) ( XXXX ) ( A ) No supporting charge-off documentation. FDCPA XXXX ( XXXX ) ( A ) False representation of debt character. XXXX XXXX. XXXX ( b ) Failure to correct after dispute. Violations : XXXXCompensation : {$5000.00} Resolution : Delete all inaccurate tradelines and compensate for violations. XXXX. XXXX XXXX ( Credit Limit {$300.00} ) Inaccurate Information : Inconsistent balances, conflicting statuses ( Closed, Charged Off ), missing payment history, and re-aged reporting. Violations : FCRA XXXX ( c ) Improper re-aging. FCRA XXXX ( a ) ( XXXX ) ( A ) Inaccurate data furnished. FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to reinvestigate. FDCPA XXXX ( XXXX ) Misleading representation. XXXX U.S.C. XXXX ( a ) Reporting known inaccuracies. Violations : XXXXCompensation : {$5000.00} Resolution : Immediate deletion and corrective reporting. XXXX. XXXX XXXX Inaccurate Information : XXXX separate entries with inconsistent balances, missing payment history, and conflicting open dates. Violations : FCRA XXXX ( c ) Re-aging of debt. FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to report accurately. FDCPA XXXX ( XXXX ) Misleading collection reporting. Violations : XXXXCompensation : {$5000.00} Resolution : Deletion and compensation. XXXX. XXXX XXXX XXXX Account # XXXX Inaccurate Information : Incorrect status as Closed/Charge-Off with no verification of original creditor. Violations : FCRA XXXX ( b ) Duplicate reporting. FCRA XXXX ( a ) ( XXXX ) ( A ) Missing original creditor. FDCPA XXXX ( XXXX ) ( A ) False or misleading representation. Violations : XXXXCompensation : {$6000.00} Resolution : Deletion and verification records requested. XXXX. XXXX XXXX XXXX Account # XXXX Inaccurate Information : Reported as Unpaid Balance Reported as Loss while closed ; missing original creditor and inconsistent high balance. Violations : FCRA XXXX ( b ) Inaccurate reporting. FCRA XXXX ( a ) ( XXXX ) ( A ) Missing original creditor. FDCPA XXXX ( XXXX ) ( A ) Misrepresentation of status. Violations : XXXXCompensation : {$6000.00} Resolution : Remove and provide proper validation. XXXX. XXXX XXXX XXXX Inaccurate Information : Status Open though account is in collection ; duplicate balances across bureaus. Violations : FCRA XXXX ( b ) Incomplete data. FDCPA XXXX ( XXXX ) ( A ) Misrepresentation of debt character. Violations : XXXXCompensation : {$4000.00} Resolution : Delete and verify with original creditor. XXXX. XXXX XXXX Inaccurate Information : Reported as Charged Off and Closed by Grantor inconsistently ; no activity history provided. Violations : FCRA XXXX ( b ) Inaccurate reporting. FDCPA XXXX ( XXXX ) ( A ) Misrepresentation of ownership. Violations : XXXXCompensation : {$4000.00} Resolution : Immediate deletion and compliance review. XXXX. XXXX XXXX EMPLOYEES FCU Account # XXXX Inaccurate Information : Duplicate accounts reported with different open dates and statuses ; conflicting payment terms. Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Duplicate reporting. FDCPA XXXX ( XXXX ) ( A ) False implication of delinquency. Violations : XXXXCompensation : {$5000.00} Resolution : Delete XXXX duplicate and correct information. XXXX. XXXX XXXX EMPLOYEES XXXX ( Date Opened : XXXX ) Inaccurate Information : Reported Open/In Good Standing but listed in derogatory section. Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Inaccurate classification. FDCPA XXXX ( XXXX ) ( A ) False representation. Violations : 5Compensation : {$5000.00} Resolution : Correct status and remove derogatory listing. XXXX. XXXX XXXX Inaccurate Information : Listed as a collection account with no delinquency date or validation. Violations : FCRA XXXX ( b ) Incomplete reporting. FCRA XXXX ( b ) Failure to verify accuracy. FDCPA XXXX ( XXXX ) ( A ) Misleading collection entry. Violations : XXXXCompensation : {$4000.00} Resolution : Delete and validate. XXXX. XXXX XXXX Inaccurate Information : Reported as collection despite XXXX balance and timely payments. Violations : FCRA XXXX ( b ) Failure to correct verified inaccuracy. FDCPA XXXX ( XXXX ) False representation. XXXX U.S.C. XXXX ( a ) Continuing inaccurate reporting. Violations : XXXXCompensation : {$5000.00} Resolution : Deletion and compensation. XXXX. XXXX Inaccurate Information : Reported late after payoff ; inconsistent balances and dates. Violations : FCRA XXXX ( b ) Inaccurate reporting. FDCPA XXXX ( XXXX ) ( A ) False delinquency. Violations : 4Compensation : {$4000.00} Resolution : Correct to Paid/Closed and remove delinquencies. XXXX. XXXX XXXX Inaccurate Information : Conflicting open/closed statuses, missing proof of delinquency, and inconsistent balances. Violations : FCRA XXXX ( b ), XXXX ( a ), XXXX ( a ) ( XXXX ) ( A ) FDCPA XXXX ( XXXX ) ( A ) XXXX U.S.C. XXXX ( a ) Violations : XXXXCompensation : {$5000.00} Resolution : Delete and provide validation. XXXX. SELF / XXXX BANK Inaccurate Information : Duplicate reporting under different creditor names ; inconsistent payment history. Violations : FCRA XXXX ( b ) Duplicate reporting. FCRA XXXX ( b ) Failure to maintain accuracy. FDCPA XXXX ( XXXX ) ( A ) False identity representation. Violations : XXXXCompensation : {$6000.00} Resolution : Delete duplicate and correct history. XXXX. WISCONSIN XXXX Inaccurate Information : Reports Charged Off with active balance ; inconsistent limit and delinquency data. Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Failure to report accurately. FDCPA XXXX ( XXXX ) False representation. XXXX U.S.C. XXXX ( a ) Failure to reinvestigate. Violations : XXXXCompensation : {$5000.00} Resolution : Delete and provide verification. XXXX. XXXX / XXXX Inaccurate Information : Duplicate reporting under different names ( XXXX, XXXX, XXXX ). Violations : FCRA XXXX ( b ) Duplicate entries. FCRA XXXX ( a ) Lack of reinvestigation. FDCPA XXXX ( XXXX ) ( A ) Misrepresentation. Violations : XXXXCompensation : {$6000.00} Resolution : Delete duplicates and confirm accuracy. XXXX. XXXX  / COVERED CARE Inaccurate Information : Conflicting balances and duplicate listings ; missing payment details. Violations : FCRA XXXX ( b ) Inconsistent reporting. FDCPA XXXX ( XXXX ) Misrepresentation of ownership. XXXX U.S.C. XXXX ( b ) Failure to update after dispute. Violations : XXXXCompensation : {$5000.00} Resolution : Delete and confirm compliance. XXXX. TAB / SUNBIT Inaccurate Information : No payment history ; inconsistent status ( Closed, Charge Off, Collection ). Violations : FCRA XXXX ( a ) ( XXXX ) ( A ) Inaccurate information. FCRA XXXX ( c ) Improper re-aging. FDCPA XXXX ( XXXX ) ( A ) Misrepresentation. Violations : XXXXCompensation : {$4000.00} Resolution : Delete and verify. XXXX. XXXX BANK/ XXXX  Inaccurate Information : Reported as Charge Off with XXXX balance ; missing creditor transfer record. Violations : FCRA XXXX ( b ) Inaccurate status. FCRA XXXX ( a ) ( XXXX ) ( A ) Inaccurate data. FDCPA XXXX ( XXXX ) ( A ) Misrepresentation. Violations : XXXXCompensation : {$5000.00} Resolution : Delete tradeline and confirm closure. TOTAL SUMMARY Total Accounts : XXXX Total Violations : XXXX Total Compensation Owed : {$100000.00} LEGAL BASIS Pursuant to the Fair Credit Reporting Act ( XXXX U.S.C. XXXX, XXXX ) and the Fair Debt Collection Practices Act ( XXXX U.S.C. XXXX ), each violation constitutes a statutory damage of up to {$1000.00}. Continued willful and negligent noncompliance subjects the furnishers and bureaus to punitive damages, legal costs, and civil liability.

Company response to consumer: Closed with non-monetary relief