Consumer complaint received 2025-11-21 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:
XXXX is engaging in egregiously unlawful credit reporting, predatory fee inflation, and systematic FCRA violations that go far beyond mere inaccuracy. Their conduct shows a deliberate pattern of deception, re-aging, false reporting, and violations so severe that continued reporting of this tradeline is indefensible under federal law.

This is not an error.

This is not a mistake.

This is a willful FCRA violation scheme, and XXXX is weaponizing false data to destroy consumer credit profiles. 

XXXX. XXXX IS REPORTING DATA THAT IS FACTUALLY IMPOSSIBLE UNDER FEDERAL XXXX GUIDELINES My XX/XX/XXXX 3-bureau report shows OppLoans reporting three different realities to the credit bureaus : XXXX : Continuous CO ( charge-off ) every month from XX/XX/XXXX through XX/XX/XXXX. 

Equifax : Zero delinquencies.

Perfect OK history for nearly 24 months, contradicting its own charge-off status.

TransUnion : Lists a charge-off date of XX/XX/XXXX. 
No supporting payment grid. 
No prior delinquency sequence. 

This is a 100 percent smoking-gun violation of : FCRA 1681e ( b ) failure to ensure maximum possible accuracy FCRA 1681s-2 ( a ) ( 1 ) ( A ) furnishing information known to be false FCRA 1681s-2 ( b ) failure to correct false information after disputes Metro-2 CRRG furnishing conflicting, non-synchronized fields Dodd-Frank UDAAP deceptive and abusive credit reporting practices An account can not be : OK every month CO every month Charged off in XXXX at the same exact time. 

XXXX is not furnishing inaccurate data XXXX is furnishing fantasy data. 

XXXX. XXXX HAS ILLEGALLY RE-AGED THIS ACCOUNT TO MAKE IT LOOK NEWER AND MORE DEROGATORY The account first became delinquent in XXXX. 
Yet OppLoans is showing : A fresh XXXX charge-off date Active CO reporting into XXXX Payment history injected into years where no payments occurred This violates : FCRA 1681c ( a ) ( 4 ) forbidden re-aging FCRA 1681s-2 ( a ) ( 2 ) duty to update and correct Saunders v. BB & T, 526 F.3d 142 creating the false appearance of recency is illegal OppLoans intentionally extended the derogatory life of this account to damage my credit score. This is willful misconduct. 

XXXX. XXXX IS REPORTING BALANCES AND FEES THAT ARE MATHEMATICALLY IMPOSSIBLE This XXXX account began in XXXX yet shows a ballooned balance of {$2500.00} a number that can only be reached through predatory, back-loaded, triple-digit APR practices and illegal post-charge-off fee additions. 


XXXX 3-Bureau Credit Report This violates : FCRA 1681s-2 ( a ) ( 1 ) ( B ) furnishing information not arising from a true credit event Regulation Z ( TILA ) improper and deceptive fee representation Dodd-Frank XXXX, XXXX ( UDAAP ) unfair and abusive practices You can not take a closed, defaulted, charged-off loan and grow the balance. 
This is illegal. 

XXXX. XXXX FAILED EVERY ELEMENT OF A LEGALLY REQUIRED INVESTIGATION XXXX has never provided : A signed contract Truth-in-Lending disclosures Full accounting of payments Itemization of fees Accurate delinquency sequence Charge-off rationale XXXX fields that justify the reporting Without these, the entire tradeline is unverifiable, and under : FCRA 611 ( a ) ( 5 ) ( A ) Unverified information must be deleted. Period. 

XXXX did not verify anything. 
They simply continued to furnish false data and hoped it would stick. 

XXXX. XXXX FALSE REPORTING HAS CAUSED DIRECT, MEASURABLE DAMAGES Because of XXXX unlawful reporting, I have : Experienced score suppression Been denied credit Been quoted higher interest rates Lost financial opportunities Incurred monetary and time costs attempting to fix OppLoans misconduct These are actionable damages under : 15 U.S.C. 1681n ( willful violations ) 15 U.S.C. 1681o ( negligent violations ) XXXX behavior is not negligent. 
It is calculated, abusive, and financially harmful.

Company response to consumer: Closed with non-monetary relief