Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Summary of the inaccurate reporting ( with dates and dollar amounts as shown in the bureaus file ) : 1. False failure-to-pay/delinquency dating.

Equifaxs file shows the account progressing through delinquency codes in late XXXX  into XXXX  and reflects a Date of 1st Delinquency around XX/XX/XXXX, with Date of major delinquency first reported later modified during the reinvestigation. This dating is not accurate for my account history and does not match when I first became delinquent without bringing the account current. I asked the furnisher to substantiate the correct delinquency date with records ( billing statements/complete payment history ), but the reported date was left inconsistent even after Equifax noted changes to DATE OF MAJOR DELINQUENCY 1ST REPORTED. 
2. False indication that Im making XXXX XXXX monthly payments.

The Equifax report repeatedly shows {$5.00} in the payment fields across many months from XXXX through XXXX, despite the file simultaneously showing my last payment posted on XX/XX/XXXXXXXX  and the account being charged off months earlier. In other words, the tradeline suggests ongoing {$5.00} payments when no such payments were being made and no active repayment plan existed. This is misleading and impacts how the account is scored and interpreted by lenders. 
3. Incorrect balance/amount owed.

As of the XX/XX/XXXXXXXX  update, XXXX XXXXXXXX file shows a Balance Amount : {$370.00} and Amount Past Due : {$370.00} while simultaneously labeling the account a Charged Off Account. The past-due field is being carried forward month after month post-charge-off instead of accurately reflecting the status and balance treatment after charge-off ( and/or any transfer to collections ). This persistent past-due reporting after charge-off is not accurate for my account and misrepresents what I currently owe. 
4. Impossible and inconsistent High Credit/highest balance.

The file shows a Credit Limit of {$500.00}, yet in XXXX  months the High Credit is reported as {$710.00}, which is mathematically impossible on a XXXX XXXXXXXX card. In other months ( XXXX  ) the same field appears as {$380.00}. These conflicting High Credit values ( sometimes above the credit limit, sometimes far below ) are internally inconsistent and distort utilization calculations. 
5. Conflicting status labels.

The tradeline simultaneously includes Account Closed at Consumers Request and Charged Off Account. These statuses conflict and further indicate the data set is not being reported in a coherent, accurate way. 

Actions I took and what the company/bureau did : I filed a dispute with Equifax prior XXXX XX/XX/XXXX. 
Equifax states it contacted the furnisher and then modified multiple fields on the tradeline : Additional Information, High Credit, Date of Major Delinquency 1st Reported, and Historical Account Information. However, the errors described above persist or were replaced with different inaccuracies ( e.g., changing the Date of major delinquency first reported without aligning it to the true delinquency timeline; continuing to show {$5.00} payments ; and leaving High Credit at {$710.00} despite a {$500.00} limit ).

Why this matters : These inaccuracies collectively misrepresent my payment behavior and credit utilizationshowing ongoing {$5.00} payments I did not make, an impossible high-credit figure over my stated limit, and an incorrect delinquency timeline. This harms my creditworthiness and could unfairly impact lending decisions.

Company response to consumer: Closed with explanation