Consumer complaint received 2025-07-19 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, XXXX. 
XXXX XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Inaccurate Credit Reporting by XXXX XXXX XXXX Account Ending in * XXXX Dear Equifax Dispute Department, I am writing to formally dispute the inaccurate reporting of the account listed below that appears on my credit file maintained by Equifax. The account in question is : Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Type : Auto Loan Status Reported : Charge Off Date of Last Activity : XX/XX/year> Balance Reported : {$3900.00} High Credit : {$25000.00} I am enclosing a screenshot of my credit report showing the inconsistent and incorrect data being reported by XXXX XXXX XXXX. The information being furnished violates multiple sections of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA 607 ( b ) : Duty to maintain maximum possible accuracy.

FCRA 611 ( a ) : Failure to conduct a reasonable reinvestigation upon dispute.

FCRA 623 ( a ) ( 1 ) ( A ) : Prohibition on furnishing inaccurate information. 

Nature of Inaccuracy : Charge-Off While Actively Paying : This account was reported as charged off despite active payments being made as recently as XX/XX/year>, as clearly shown in the report. 

Payment History Errors : The account inaccurately reflects charge-off ( CO ) codes throughout XXXX while payments were still being processed, which is contradictory.

Balance & Status Mismatch : The balance continues to be reported inaccurately ( {$3900.00} ) despite the payment of {$790.00} on record and the discrepancy between reported balance and charge-off amount. 

These reporting errors are not only misleading but are causing significant harm to my creditworthiness. In fact, the Consumer Financial Protection Bureau ( CFPB ) has recently fined Equifax {$13.00} million for failing to properly handle consumer disputes and for reporting inaccurate credit data, underscoring the seriousness of this type of misconduct ( CFPB Press Release July 2025 ).

Action Requested : In accordance with my rights under the FCRA, I demand that Equifax : Conduct a reinvestigation of this account as required under 611.

Delete the inaccurate account status, charge-off designation, and payment history entries. 

Provide me with an updated copy of my credit report reflecting these changes. 

Please consider this letter a formal dispute. If you can not verify this accounts accuracy within the required 30-day window, it must be deleted from my file per FCRA 611.

I am also filing a complaint with the Consumer Financial Protection Bureau for Equifax 's continued pattern of inaccurate and misleading credit reporting, as recently penalized by the agency. 

Enclosed : Screenshot of the inaccurate Equifax report for XXXX XXXX XXXX Copy of my government-issued ID Proof of address Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation