Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This adds onto a complaint you have already closed and i do apologize for the delay my minds not all there. I received paperwork on or about XX/XX/XXXX from XXXX in response to the complaint I filed it was my statements from XX/XX/XXXX - XX/XX/XXXX. In these statements it shows that my last payment was made XX/XX/XXXX with a late fee. Theyve reported to the credit bureaus that my first delinquent payment was XX/XX/XXXX the same month that the cares act was initiated stating that if I was not delinquent at that time it could not be reported to the credit bureaus that I was a clear violation but in all honesty I shouldve been late XXXX and it shows in the statements as I am considering the payment for XX/XX/XXXX was XXXX payment. But anyway lets continue during the months of XXXX they lowered my interest rate considering I was talking to them weekly waiting for my unemployment to continue which it never did the whole 1 year thing was a lie. But they failed to share that information with you or the fact that after 5 years of being a card holder and never missing a payment and whilst communicating and knowing my struggle closed the account as they state on my credit report XX/XX/XXXX but yet thats only 2 months of payments missing and after 5 years of never missing a payment closed the account. But yet the paperwork that they sent me says the account wasnt charged off aka closed until XX/XX/XXXX which I found kind of weird considering my last payment due date was XX/XX/XXXX. So they charged off the account before the due date closed the account before they charged it off and only 2 months of no payments according to them before doing so while in communication with me and all that happened while the cares act was being signed. Then put a lien on my house that I never received a copy of and didnt know about until my realtor informed me in XXXX again during the cares act. Then in XXXX or XXXX of XXXX theyre attorneys try to make contact with another court document I was unaware of via uncertified mail asking me to setup sometime to go over assets and or whatever or they would get a judgement to make me do so. Afterwards theyre wonderful law group sent me the previous judgement via unsecured email to my XXXX account without my permission and without verification. With details stating that in XXXX they had a judgement leveraged against me without my knowledge no paperwork saying I received any documentation of the said court date nothing. Ive repeatedly asked them, Equifax, XXXX XXXX to remove the inaccurate information and have done so since XXXX or sooner theyve repeatedly said there was no fault even when I showed them there was. Please fix this take it off my report file cares act violations on them and their attorneys and Ill take them to court whenever I get a chance to collect the {$100.00} a month FCRA violations that have accrued over these last 2-4 years. Also being that it was charged off as they state meaning they took a tax deduction or break on said debt they have never sent me anything stating it was done they never sent me a final bill never sent me to collections never stated my account was closed nothing.

Company response to consumer: Closed with explanation