Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have requested that they conduct an internal investigation utilizing thier own internal records of the account in question, specifically the XXXX XXXX account. 

I am filing a complaint against * * Equifax * * and * * XXXX XXXX * * regarding the XXXX XXXX account opened * * XX/XX/XXXX * * with a balance of * * \ {$6400.00} * *. This account has been illegally re-aged and has been reported with multiple inconsistencies that violate the Fair Credit Reporting Act ( FCRA ). 

# # # Timeline of Events & Evidence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My payment history grid on Equifax reports shows that I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and never brought the account current after that date. This grid data is consistent with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Later Equifax reports ( via XXXX XXXX, XXXXXXXX XXXX XXXX XXXX shifted the XXXX to XX/XX/XXXXXXXX XXXX XXXX This is * * illegal re-aging under FCRA 623 ( a ) ( 5 ) * * because it artificially extends how long the derogatory account remains on my file. 

* * * Internal contradictions in Equifax data : * * * Earlier reports list the credit limit as * * \ {$6000.00} * * ; later reports show it as * * \ {$0.00} * *. 
* Payment history percentages changed repeatedly ( 0 %, 1 %, 2 %, 4 % ) even though I made * * no payments * * after becoming delinquent in XXXX. 
* The account remained reported as Charge-off with a balance of * * \ {$6400.00} * *, but Equifax altered fields in ways that suggest active changes to how the tradeline is displayed. 

* * * Disputes filed with Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I filed disputes through the Equifax Dispute Center ( confirmation numbers included in my uploads ). Equifaxs system shows these disputes were marked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

* * * Contradictory letter : * * Despite marking my disputes as Completed, Equifax sent me a letter dated XXXX XXXX XXXX XXXX XXXX XXXX XXXX  claiming they were * * unable to locate a credit file * * for me and demanding additional ID. This is a direct contradiction : they clearly had my file, as the account was visible and the disputes were logged as completed in their own system. 

* * * Verification response : * * Equifax later stated that XXXX XXXX XXXXXXXX XXXX verified the account as accurate * *, despite the evidence in their own payment history grids showing delinquency began in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

# # # FCRA Violations * * * By Equifax ( CRA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( a ) ( 1 ), ( a ) ( 6 ), ( a ) ( 7 ) : * * Failure to conduct a reasonable reinvestigation, failure to provide dispute results, and failure to disclose the method of verification.

* * * 607 ( b ) : * * Failure to assure maximum possible accuracy in consumer reports. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illegally re-aging the account by moving XXXX from XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failure to conduct a reasonable investigation after being notified of a dispute, since they verified the account despite clear inaccuracies.

# # # Harm and Relief Requested Equifax and XXXX XXXX are knowingly reporting false information by re-aging the DOFD, contradicting their own payment record grids, and failing to provide lawful dispute results. Equifax further misled me by sending a no file located letter while simultaneously marking disputes as completed.

This conduct is deceptive, willful, and harmful to my credit standing.

I request that the CFPB require : 1. * * Immediate correction or deletion * * of this XXXX XXXX tradeline from my Equifax file.

2. Full compliance with FCRA 611, including * * dispute results and method of verification * *. 
XXXX. A clear explanation of how the XXXX was shifted to XX/XX/XXXX when XXXX own * * payment history record * * shows delinquency beginning in XX/XX/XXXX. 
4. Notices of correction sent to all recent users of my Equifax report. 
The phone number to.contact as shown on the equifax " you do not exhist '' letter is a disconnected phone number. 

I am uploading supporting screenshots and credit reports showing the original XX/XX/XXXX delinquency, the later re-aged XX/XX/XXXX date, and the contradictory communications from Equifax. 

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Company response to consumer: Closed with explanation