Consumer complaint received 2016-05-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (GA)

I have a XXXX account that I went delinquent on and was subsequently charged off. I am not disputing the account or the failure to pay the account. However XXXX XXXX XXXX has re-aged the account on several occasions extending the time it is being reported on my credit file. The Bank is still saying the balance is owed although they sent me a XXXX and I had to include the balance as taxable income! Secondly they are reporting date of first delinquency as XXXX of XXXX. This was when I went delinquent from a special payment program they had placed me on. My first missed Payment was XXXX XXXX I subsequently missed Payments until XXXX of the following year at my monthly payment of ( XXXX a month that was a total of {$11000.00} in missed payments. this does n't include the fees and penalties XXXX added to my balance. In XXXX XXXX our finacials improved and under intense presure and threats from XXXX to sue me I entered into a payment program which re-aged my account and reconfigured my min payment due to a small APR drop they offered. this brought my payment to {$740.00} a month. I paid this as agreed for almost 2 years, with a few missed months during that time frame. In XXXX XXXX we again were in a dire financial situation. I pleaded with XXXX for payment assistance and balance reduction, XXXX was less than sympathetic or helpful. I attempted to use my war time deployments to XXXX to establish SCRA benefits on the account and they denied my request although almost all of my other creditors approved my accounts for SCRA protection. I let the account fall delinquent again and have n't paid them any thing since. I have recently been taken out of the selection process for XXXX employers because XXXX is still reporting a past due balance of over {$30000.00} on all my credit reports. Although I entered XXXX 's special payment program, they did not forgive the almost {$15000.00} I was delinquent at the time. they just rolled it into the balance a readjusted the amount of months to pay back the now larger loan amount. I missed my first payment on this account in XXXX XXXX. It has been 7 years. This acount also went to several diffrent collection firms that made endless calls and threats. I told them if they wanted money they would have to sue me! None of them ever brought suits, although just the fact that is was sold to a collections agency my understanding is XXXX should of zeroed the account balance as that is the issue that is keeping me from employment. XXXX still reporting and amount due although it has been charged off and the account attempted to be collected by at least XXXX different collection firms. My understanding of FCRA is that this account should no longer be showing on my credit reports. It has been over 7 yrs since my first missed payment and although XXXX reports paid as agreed for a time in-between the delinquencies I never brought the account current by making a large payment to make up the over {$12000.00} I was behind at the time I entered the special payment program. I believe the account should be removed from my credit file or at the very minimum the balance owed should be being reported as XXXX seeing XXXX has taken the tax credits for the CO and I have taken the tax penalty for the XXXX they issued me. Which is another area of concern seeing my credit file shows the account CO in XXXX XXXX yet I did n't receive a XXXX until tax year XXXX! So XXXX reported the Charge Off on my credit file for over 2 years before they legally charged off my account?? Also on the attached credit report I ran after my last negative employment action XXXX mysteriously shows 2 months of good history right before the delinquencies that sent the account to a Charge Off status. This account may have been paid as agreed between XXXX XXXX and XXXX XXXX but it was never brought current! Therefore the account should be removed from my credit file.