Consumer complaint received 2026-03-12 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: GA

Complaint narrative:
Subject : Inaccurate Charge-Off Reporting on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ending in XXXX ) I am filing this complaint regarding inaccurate credit reporting by XXXX XXXX related to a secured credit card issued through XXXX XXXX The account referenced in this complaint is XXXX XXXX XXXX XXXX XXXX account ending in XXXX. In XX/XX/year>, I experienced a financial hardship and requested in writing that my XXXX secured credit card be closed. My written request was submitted on XX/XX/year>. On XX/XX/year>, XXXX XXXX confirmed via email that the account would be closed and that any remaining balance would be satisfied using my security deposit, with any remaining funds returned to me. My security deposit for this secured credit card was approximately {$120.00}. Despite this agreement, XXXX XXXX is reporting this account to the credit bureaus as Paid, Closed {$110.00} Written Off. This reporting is inaccurate and misleading. A secured credit card is backed by a consumers deposit specifically to cover any outstanding balance. If my deposit was {$120.00}, it should have been applied toward the balance before any charge-off occurred. At no point was I notified that a balance remained after my deposit was applied. For several years I have contacted XXXX XXXX requesting correction of this issue and explaining that the security deposit should have covered the balance. I have also provided documentation showing my written request to close the account and XXXX XXXX confirmation email acknowledging the account closure and stating that the deposit would be applied to any remaining balance. I formally disputed this account with XXXX, but the credit bureau reported the account as merely updated without addressing the core dispute regarding the improper charge-off on a secured account. There are several serious inaccuracies with the reporting : The account was a secured credit card backed by a security deposit intended to cover any outstanding balance. XXXX XXXX has failed to provide documentation showing how the deposit was applied or how the alleged deficiency was calculated. The account is being reported as a charge-off despite the presence of collateral ( the deposit ). XXXX updated balance information without correcting the inaccurate charge-off status. The account continues to be reported in a manner that is misleading and damaging to my credit profile. This inaccurate reporting has negatively impacted my credit and ability to obtain housing and financial services. I am requesting the following resolution : Immediate deletion of the XXXXXXXX XXXX XXXX XXXX XXXX tradeline ( account ending in XXXX ) from my credit reports with XXXX, XXXX, and Equifax. Written confirmation that this account will no longer be reported as a charge-off. Documentation explaining how my security deposit was applied and how the alleged balance was calculated. If XXXX XXXX can not produce complete and accurate documentation supporting this reporting, the tradeline must be deleted pursuant to the Fair Credit Reporting Act requirement that all reported information be accurate and verifiable. Continued reporting of information that can not be fully substantiated may constitute negligent or willful noncompliance with the Fair Credit Reporting Act. Supporting documentation including my written account closure request and XXXX XXXX confirmation email acknowledging the closure and deposit application are attached to this complaint.

Company response to consumer: Closed with non-monetary relief