Consumer complaint received 2019-12-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
EQUIFAX ON XX/XX/XXXX REPORTED INCORRECT DATE OF MAJOR DELINQUENCY AND FALSE SCORES BY THEIR ERROR. 



XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF {$2000.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Status : CHARGE-OFF Account Owner : Individual Account. High Credit : Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$2000.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$960.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : XXXX Creditor Classification : Activity Designator : N/A Charge Off Amount : {$2100.00} Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Credit Card Date of First Delinquency : XX/XX/XXXX Comments : Account paid for less than full balance, Paid charge off DISPUTE : Date Major Delinquency First Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX, Actual Payment Amount : {$960.00}, Account paid for less than full balance, Paid charge off STATUS CHARGE OFF IS FALSE AS THE ACCOUNT IS A PAID CHARGE OFF WHEREAS, THE DATE MAJOR DELINQUENCY XX/XX/XXXX IS FALSE, AS THE ACCOUNT WAS PAID XX/XX/XXXX. 
IF THE ACCOUNT WAS PAID XX/XX/XXXX MAKES THE DATE MAJOR DELINQUENCY XX/XX/XXXX FALSE. 









XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XX/XX/XXXX CHARGE-OFF {$200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Status : CHARGE-OFF Account Owner : Individual Account. High Credit : Type of Account Revolving loans have an amount owed which varies from month to month, like a credit card. : Revolving Credit Limit : {$200.00} Term Duration : Terms Frequency : Monthly ( due every month ) Date Opened : XX/XX/XXXX Balance : {$0.00} Date Reported : XX/XX/XXXX Amount Past Due : Date of Last Payment : XX/XX/XXXX Actual Payment Amount : {$300.00} Scheduled Payment Amount : {$0.00} Date of Last Activity : N/A Date Major Delinquency First Reported : XX/XX/XXXX Months Reviewed : 86 Creditor Classification : Activity Designator : N/A Charge Off Amount : {$300.00} Deferred Payment Start Date : Balloon Payment Amount : Balloon Payment Date : Date Closed : Type of Loan : Credit Card Date of First Delinquency : XX/XX/XXXX Comments : Paid charge off, Account closed by credit grantor DISPUTE : Date Major Delinquency First Reported : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX, Actual Payment Amount : {$300.00}, Account Paid charge off WHEREAS, THE DATE MAJOR DELINQUENCY XX/XX/XXXX IS FALSE, AS THE ACCOUNT WAS PAID XX/XX/XXXX. 

IF THE ACCOUNT WAS PAID XX/XX/XXXX MAKES THE DATE MAJOR DELINQUENCY XX/XX/XXXX FALSE. 

STATUS CHARGE OFF IS FALSE AS THE ACCOUNT IS A PAID CHARGE OFF

Company response to consumer: Closed with explanation