Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the accuracy and completeness of the information you are reporting on my credit file under the Fair Credit Reporting Act ( FCRA ).

The account in question : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX. ( Account ending in XXXX XXXXXXXX ) Reported Status : Charge-Off as of XX/XX/year>XXXX  Bureau Showing Error : Equifax Reason for dispute : The reported information is inaccurate, incomplete, and/or unverifiable. Specifically : Your recent update changed the XX/XX/year>XXXX  status from 180 Days Late to Charge-Off. 
This change is inconsistent with the account history previously reported and with other credit bureaus reporting. XXXX, for example, deleted the account entirely after their reinvestigation. 
The update is misleading and creates the false impression of recent negative activity. If the account was charged off in XXXX, the correct reporting date of first delinquency must be maintained and can not be re-aged under FCRA 605 ( c ). 
If XXXX XXXX can not provide a complete method of verification, the account must be deleted under FCRA 611 ( a ) ( 5 ) ( A ). 
My demands under the FCRA : Conduct a reasonable investigation as required by FCRA 611 ( a ) and 623 ( b ). 
Provide me with the Method of Verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), including : The name, address, and telephone number of the furnisher. 
Documentation from the furnisher that verifies each data point you are reporting. 
If the furnisher can not fully verify the accuracy of the account, delete it from my credit file immediately. 
I am also requesting copies of any documentation used in your reinvestigation process. This request is made under FCRA 609 ( a ) ( 1 ), which grants me the right to all information in my credit file. 
If you fail to respond within 30 days, or if the results are unsatisfactory, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will consider pursuing legal action for willful noncompliance under FCRA 616 and negligent noncompliance under FCRA 617. 

Please send your response to the address listed above. 

Sincerely, [ Your Signature ] [ Your Printed Name ] [ SSN last 4 digits ] [ Date of Birth ] I previously disputed an account with Equifax XXXXXXXX XXXX XXXX XXXX XXXX account ending in XXXX XXXXXXXX as inaccurate and/or unverifiable under FCRA 611 and 623 ( b ). 

The account was originally reporting a XX/XX/year> status of 180 Days Late. Equifax then updated the report to show Charge-Off for the same month. This change is : Inconsistent with the account history previously reported. 
Misleading because it gives the appearance of more recent negative activity than actually occurred. 
Inconsistent between credit bureaus XXXX  deleted the account entirely after their reinvestigation, while Equifax simply changed the status without proper verification. 
I specifically requested : A Method of Verification as allowed under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Documentation showing the original date of first delinquency ( FCRA 605 ( c ) ) to ensure no unlawful re-aging occurred.

Equifax has failed to provide the required verification or documentation and continues to report this disputed account. This constitutes a failure to conduct a reasonable investigation and a violation of FCRA 623 ( b ) by the furnisher and 611 by the credit bureau.

Company response to consumer: Closed with explanation