Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
I am submitting this formal dispute regarding the above-referenced XXXX XXXX XXXX account XXXX 
Despite multiple prior disputes, Equifax continues to report inaccurate, incomplete, and misleading information in violation of the Fair Credit Reporting Act ( FCRA ), Metro 2 reporting standards, and potentially the Equal Credit Opportunity Act ( ECOA ). 
Summary of Key Facts My last personal payment on this account was made in XXXX. That same year, the vehicle was declared a total loss. XXXX XXXX XXXX paid the bulk of the outstanding balance, and XXXX XXXX XXXX covered the remainder. The account was fully satisfied in XXXX. No default occurred. 
Equifax is now reporting a false Date of Last Activity in XXXX and a charge-off status that is completely inaccurate. This account should be reported as paid and closed or removed entirely. 
Violations Identified 1. False Charge-Off Reporting This account was not charged off due to non-payment. It was paid in full through insurance and GAP coverage. Reporting a charge-off misrepresents the account status and violates FCRA Section 1681e ( b ) and Metro 2 standards. 
2. Re-Aging of the Account The Date of Last Activity has been falsely updated to XXXX, even though the account was settled in XXXX. This artificially extends the reporting period in violation of FCRA Sections 605 ( a ) and 1681i ( a ). 
3. Failure to Validate the Debt I have previously requested validation, but no documentation has been provided to justify the {$6200.00} written-off balance, the original {$130000.00} balance, or the charge-off status. Under FCRA Section 1681i ( a ), unverifiable information must be deleted. 
4. Inconsistent and Misleading Payment History The payment history includes a charge-off in XXXX and collection statuses from XXXX, while also listing inconsistent delinquencies in XXXX and XXXX. These overlapping and contradictory codes violate Metro 2 requirements. 
5. Pattern of Noncompliance Equifax has ignored multiple prior disputes without providing the required Method of Verification. This ongoing failure constitutes willful and negligent noncompliance under FCRA Sections 1681n and 1681o.

Requested Resolution Permanently delete this account from my Equifax credit report.

Provide all documents used to verify this account, including payment records, insurance payoff details, and any charge-off documentation.

Provide the full Method of Verification used in all previous disputes, as required by FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ).

If you fail to remove or correct this account within 15 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the XXXX XXXX Attorney Generals Office. I am prepared to pursue legal action as necessary. 
This account was resolved in XXXX without default. Its continued reporting as delinquent and charged off is false and unlawful.

Company response to consumer: Closed with non-monetary relief