Consumer complaint received 2025-12-10 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: CA

Complaint narrative:
FCRA & FDCPA Violations Demand for Immediate Deletion of Unverifiable Tradeline Company : XXXX XXXX XXXX XXXX collecting for XXXX XXXX XXXX ) Product : Credit reporting / collections account Issue : Incorrect information on my credit report Failure to validate, false representation of debt amount, and inaccurate reporting COMPLAINT STATEMENT I am reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX for continued violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) for furnishing unverified, inaccurate, and legally unsupported information to the credit bureaus.

This tradeline is reporting : Original balance : {$2600.00} Current reported balance : {$3600.00} An increase of {$1000.00} has been added with no contractual authorization, no itemization, and no documentation. The collector has failed to provide : Any signed lease or account agreement Any final billing statement or move-out charges Any itemized ledger explaining the increased balance Any documentation authorizing the addition of fees or interest Any proof of assignment or transfer of ownership authorizing them to collect or report this account LEGAL VIOLATIONS FDCPA 809 ( b ) No debt validation provided despite formal request.

FDCPA 807 ( 2 ) ( A ) False representation of debt amount through unverified balance inflation.

FDCPA 807 ( 14 ) Misrepresentation of legal creditor status without proof of assignment.

FCRA 623 ( a ) ( 1 ) Reporting information known or that should be known to be inaccurate.

FCRA 623 ( b ) Failure to conduct a reasonable investigation following dispute.

FCRA 607 ( b ) Failure to ensure maximum possible accuracy of reported information. 



REPORTING ERRORS The tradeline also contains conflicting data points : Account status updated is frozen in XX/XX/XXXX Balance updated as recently as XX/XX/XXXX An account can not remain frozen while generating new balance activity, establishing this as factually inaccurate reporting. 



BURDEN OF PROOF As a furnisher, XXXX XXXX XXXX is required to maintain and produce legally sufficient documentation to verify data accuracy. To date, they have supplied no validation or substantiation whatsoever.

Automated or electronic verification responses are not compliant validation under FDCPA 809 ( b ) or reasonable investigations under FCRA 623 ( b ).

REQUESTED RESOLUTION Immediate deletion of this XXXX XXXX XXXX XXXX XXXX XXXX XXXX tradeline from all consumer credit reporting agencies is required because the account : Is inaccurately reported Has never been legally validated Does not have documented ownership or authority for collection Contains unauthorized balance inflation Violates multiple sections of federal consumer credit law I am requesting that the CFPB require prompt removal of this tradeline due to the collectors inability to validate or accurately substantiate the debt and their continued furnishing of illegal data to the credit bureaus.

Company response to consumer: Closed with explanation