Consumer complaint received 2025-08-07 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: SC

Complaint narrative:
XXXX XXXX XXXXXXXX I am disputing this account due to multiple factual inaccuracies unverifiable derogatory remarks and outdated reporting which violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611 ( a ). The account is reported with a charge-off status and shows multiple late payment notations ( 30 60 and 90 days late ) even though the account is marked as closed with a XXXX balance and no past-due amount. This is conflicting and misleading. The account was allegedly opened on XX/XX/XXXX and the last reported activity and last payment date is XX/XX/XXXX yet the derogatory information remains on the report despite over three years of inactivity. There is no updated validation of debt billing statements or documentation provided to justify continued negative reporting. Additionally the monthly payment is listed as XXXX and the balance is fully charged off yet the credit bureaus have failed to investigate or verify the legitimacy of the reported payment history as required. This failure to update or remove unverifiable data violates the 30-day response window under FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 5 ) ( A ) which mandates deletion of any disputed data that can not be verified. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX For these reasonsincluding balance discrepancies, re-aged reporting, and inconsistent dataI am demanding the immediate and permanent deletion of this account from my credit report. 

XXXX XXXX - XXXX I am formally disputing this account due to inconsistent and inaccurate reporting as well as the continued presence of outdated and unverifiable data which violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ). This account is listed as Closed by XXXX  but Open by Equifax despite showing a XXXX XXXX XXXX past due and a XXXX monthly payment across both. These contradictions alone demonstrate a lack of reporting accuracy. Additionally this account is marked as a Collection or Charge-Off while simultaneously reporting no balance owed no credit limit and no current delinquency. There is no payment activity since early XXXX or XXXX yet the account remains open or actively derogatory on the credit file which misrepresents the accounts current status and is potentially misleading to future creditors. The reporting also reflects a term of only XXXX to XXXX months for an account opened in XXXX which is factually inaccurate and raises concern of improper data retention and update practices. The account has also been previously disputed and no proper validation has been provided. Under FCRA 611 ( a ) any information that can not be verified within 30 days must be promptly deleted not left unresolved or further updated. 

I am also asking for this XXXX XXXX XXXX XXXXXXXX To be deleted as well as i dont stay this location and never had!

Company response to consumer: Closed with explanation