Consumer complaint received 2025-11-29 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: MN

Complaint narrative:
I am filing an escalation complaint because Equifax has failed to correct multiple clear and documented inaccuracies in two XXXX XXXX XXXX XXXX XXXX accounts ( a closed credit card and a closed installment loan ). Despite my prior dispute and CFPB complaint XXXX, Equifax 's reinvestigation did not correct the illegal reporting errors, and in some cases the data became even more inaccurate The accounts were closed and charged off in XXXX, yet Equifax continues to report : 1. lllegal Re-Aging of the Accounts ( FCRA + Metro 2 Violation ) Both Wings Financial tradelines show new charge-off activity reported in XXXX, XXXX, and even XXXX. 
Examples from my report : 'Current Payment Status : Charge-off '' dated XX/XX/XXXX Multiple months of XXXX late payments even though the accounts were permanently closed in XXXX Payment history dots showing Charge-Off in XXXX, years after the account was closed A charged-off account can only be charged off once, and can not receive new delinquency reporting after closure. Continuing to update a closed account as if it is newly charged off each year is illegal re-aging, violating FCRA 523 ( a ) ( 1 ) ( A ) and Metro 2 reporting standards.

2. Reporting Utilization on a Closed Charge-Off ( Major Metro 2 Violation ) Equifax is treating the closed XXXX  credit card as if it were still an open revolving account : 112 % utilization Balance : {$550.00} Credit Limit : {$500.00} Closed charge-off accounts can not be included in utilization calculations, nor can they show an active credit limit. This directly violates Metro 2 reporting rules regarding the ECOA field, Account Status, and Credit Limit field on charged-off accounts 3. lllegal Post-Closure Delinquency Reporting The loan and credit card both show 30, 60, 90, and 120+ day late -rvments in XXXX, even though : The accounts were closed and charged off in XXXX XXXX XXXX confirmed that their 'system had two sides '' and incorrectly continued attributing billing to me after the account was transferred Late payments can not be added after account closure. This is a clear violation of the FCRA 's accuracy requirements under {$600.00} ( b ) and 8623 ( a ) ( 2 ).

4. Past-Due Amount Reporting is Contradictory and Inaccurate Equifax shows : Amount past due : {$0.00} while simultaneously reporting Outstanding balance of {$550.00} ( card ) of {$680.00} ( loan ) This violates Metro 2 consistency requirements. An account can not show both a balance owed and {$0.00} past due, especially when reported as a charge-off.

5. Reinvestigation Was Not Reasonable or Complete Equifax 's reinvestigation result simply states.

" Verified as accurate and updated.

However, the only updates Equifax made were cosmetic remark changes ( removing 'consumer disputes '' and re-adding " charged-off '' ). The underlying Metro 2 fields remain incorrect, including : Payment status Balance reporting Date of first delinquc.cy / date closed Payment history Utilization Past-due amounts Under FCRA {$610.00} ( a ) ( 1 ), a reasonable reinvestigation requires correction of all inaccurate fields -- not simply remark changes...

Company response to consumer: Closed with explanation