Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
b'I am sending you the information about the disputed information, for myself and my husband, XXXX XXXX XXXX XXXX The information that XXXX XXXX  for Acct # XXXX  is incorrect information on all 3 of our credit reports. They are reporting misinformation on the Last Payment Made date on this account and I cannot get them to correct it.  I have sent the credit bureaus the backup needed, and they will not correct the information either. The loan was under XXXX XXXX XXXX XXXX It was a personal loan made before the covid shutdown. During this period, we lost our business and were unemployed for quite a while. We fought to try to save our business, save our home and vehicles but ended up losing our business and one of our vehicles.  After we lost our business, we had to put a lot of what we could in storage and then ended up losing our storage after a while and lost majority of our paperwork and backup.  We were dealing with a lot at this time and paying this note was not on the top of our list.  Well as time passed, we never heard anything from the Credit Union. They ended up Charging off the loan on XXXX XXXX XXXX. \n\nJust recently, I started trying to work on clearing up our credit history and noticed that the credit union was posting the Last Payment Date was made on XXXX XXXX XXXX  on the day that they had written off the account. They are not reporting the correct Last Payment Made on this account to any of the credit bureaus. This information is incorrect. WE DID NOT MAKE ANY PAYMENTS IN XXXX XXXX. \n\nIf your credit report incorrectly lists the "charge off date" as the "last payment date," you should dispute the inaccuracy with the credit bureau because this is a reporting error that can negatively impact your credit by affecting the seven-year reporting window. You must contact the credit reporting agencies to explain the error, provide documentation, and request they correct the entry to the accurate charge-off date, which is the official start of the seven-year removal period. \nWhy This is an Error\n\tDifferent Meanings: The charge-off date is when the lender writes off the debt as a loss, while the last payment date is when a payment was last made. \nXXXX XXXX  The charge-off date is crucial because it determines when the item is supposed to fall off your credit report. Using the last payment date to start the clock can result in the item staying on your report for an incorrect amount of time. \n\tImpact on Credit Score: Incorrect reporting can inaccurately show how long the debt has been delinquent, which can harm your credit score. \n\nI contacted my bank and got them to pull all my statements from XXXX XXXX to XXXX XXXX. After going over them, I was only showing two payments that were made during this period through our bank account. One payment in the amount of $XXXX  that was made on XXXX XXXX XXXX, and the other payment in the amount of $XXXX  that was made on XXXX XXXX XXXX. I am not saying these were the only payments that we made, but it is the only payments that I can get back up for and verify.  I did have to pay some of my bills with money orders, just because we were falling behind on everything and that was the only way some creditors would allow us to pay. And XXXX XXXX has not provided me with copies of any other payments made to this account during this period. \n\nWell up to XXXX XXXX the XXXX  report was reporting Last Payment Date was made on XXXX XXXX XXXX  Which matches my XXXX XXXX bank statement.  Then on the XXXX XXXX XXXX  report, they changed the Last Payment Date to XXXX  XXXX XXXX, the date they Charged Off the account. I could not get any old reports from XXXX, nor Equifax. They would not allow me to pull old reports. Although I was able to pull old reports from XXXX. \n\nBelow is a breakdown of what the three Credit Bureaus show for this account during the period of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXExperianXXXXExperian Report shows:\nLast Payment Made  They just removed it from our report and changed the On Record Until XXXX XXXX Which would be 7 years after the payment we have backup for from XXXX XXXX XXXX.\nDate Closed: Removed it from our report.\nDate of 1st Delinquency: XXXX  (Which would be my XXXX XXXX payment missed)\n\nEquifax Report shows:\nLast Payment Made XXXX (Which is the date they charged it off)\nDate Closed: XXXXDate of 1st Delinquency: XXXX (Which would be my XXXX XXXX payment missed)\nDate Major Delinquency 1st reported: XXXX  (Which is redundant.)\n\XXXX  Report shows: \nLast Payment Made XXXX (Which is the date they charged it off)\nDate ClosedXXXX XXXXFirst Missed Payment was August 2021. Which would make my first delinquency should be XXXX XXXX XXXXnBoth Equifax and XXXX  show my last payment was made for the month of XXXX XXXX payment. That would make my first delinquent payment was on the XXXX XXXX  payment.  If you look at an older Equifax Report, it even state Delinquency First Reported on XXXX XXXX XXXX and it shows the XXXX XXXX  was 60 days past due, which would make our first delinquency XXXX XXXX  But XXXX  is showing the XXXX XXXX was made and the first delinquency was in XXXX XXXX.  And all the information among the three reports does not even match. It is all over the board.  Either way XXXX XXXX is not reporting the correct Last Payment Date correctly, past due months and will not send any proof of the last time we sent in a payment for this account.  All I have received is All the information is being reported correctly.  When clearly it is not.  \n\nSince I have been trying to get this correct, they have started changing old delinquent numbers over the months. I have included copies of all the backup that I could get and could find.\n\n\tWhat the FCRA Requires: The FCRA governs the reporting of information on consumer credit reports and sets limits on how long negative items can stay there.\n\tThe Seven-Year Rule: For most delinquent debts, the seven-year reporting period begins on the date of the first missed payment.\n\t"Re-aging" is Illegal: A creditor cannot falsify the date of last payment to extend the time an account stays on your report.\n\nI just received a debt collection letter from a company on this account.  Well according to the above chart and the recorded Date of 1st Delinquency is for the XXXX XXXX payment reported on the credit bureaus.  But if we go by what I am showing and my backup of when I made the last payment, the last activity is XXXX XXXX XXXX Either way the Statute of Limitations has ran out on this account, with what I have proof of.  In the State of Texas, the Statute of Limitation on this debt is 4 years. And the four-year statute of limitations on debts begins on the date of the last payment or the date the debt went into default, according to the Texas State Law Library. A partial payment or an acknowledgment of the debt does not reset this clock in Texas, thanks to a XXXX  law designed to protect consumers from "zombie debt". So, with all this information, the Statute of Limitations ended on XXXX XXXX XXXX or before.'

Company response to consumer: Closed with explanation