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: MD

Complaint narrative:
I am writing to formally dispute inaccurate and misleading information being reported by XXXX XXXX XXXX on my TransUnion and Equifax credit reports. I am requesting that the Consumer Financial Protection Bureau investigate this matter and facilitate the deletion of the account due to serious reporting errors that do not comply with the Fair Credit Reporting Act ( FCRA ). 

Account Information : * Creditor Name : XXXX XXXX XXXX. 
* Account Opened : XX/XX/XXXX * Term : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reported Balances : * TransUnion : {$11000.00} ( as of XX/XX/XXXX ) * Equifax : {$0.00} ( as of XX/XX/XXXX marked as paid in full ) * Highest Balance : * TransUnion : {$0.00} ( inaccurate ) * Equifax : {$12000.00} ( accurate ) * Payment History : XXXX XXXX on-time, with several recent delinquencies * Status : The account is charged off / written off, yet reporting is inconsistent Nature of Dispute : There are several key inaccuracies and inconsistencies in the way this account is being reported : XXXX. Conflicting Balance Information : * TransUnion reports a balance of {$11000.00}, while Equifax accurately reports a {$0.00} balance, noting that the account has been paid off 100 %. 
* This discrepancy creates confusion and falsely inflates my debt load on TransUnion. 
XXXX. Incorrect Account Status : * The account was charged off/ written off, yet TransUnion continues to report it as if it remains active with a high balance. 
* Equifax reflects the account as paid in full, yet both bureaus report derogatory payment history for recent months ( XXXX XX/XX/XXXX ), which is inconsistent with a closed and paid account. 
XXXX. Highest Balance Reported as {$0.00} ( TransUnion ) : * TransUnion incorrectly lists the highest balance as {$0.00}, even though the original loan amount was {$12000.00}. 
XXXX. Payment History After Closure : * Late payments continue to be reported on both credit bureaus even after the account was closed and/or paid off, which is inaccurate and misleading. 
* No new late payments should be reported on a closed account with a {$0.00} balance. 

I am writing to formally dispute inaccurate and misleading information being reported by XXXX XXXX XXXX on my TransUnion and Equifax credit reports. I am requesting that the Consumer Financial Protection Bureau investigate this matter and facilitate the deletion of the account due to serious reporting errors that do not comply with the Fair Credit Reporting Act ( FCRA ). 

Account Information : * Creditor Name : XXXX XXXX XXXX. 
* Account Opened : XX/XX/XXXX * Term : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Balances : * TransUnion : {$11000.00} ( as of XX/XX/XXXX ) * Equifax : {$0.00} ( as of XX/XX/XXXX marked as paid in full ) * Highest Balance : * TransUnion : {$0.00} ( inaccurate ) * Equifax : {$12000.00} ( accurate ) * Payment History : XXXX XXXX on-time, with several recent delinquencies * Status : The account is charged off / written off, yet reporting is inconsistent Nature of Dispute : There are several key inaccuracies and inconsistencies in the way this account is being reported : XXXX. Conflicting Balance Information : * TransUnion reports a balance of {$11000.00}, while Equifax accurately reports a {$0.00} balance, noting that the account has been paid off 100 %. 
* This discrepancy creates confusion and falsely inflates my debt load on TransUnion. 
XXXX. Incorrect Account Status : * The account was charged off/ written off, yet TransUnion continues to report it as if it remains active with a high balance. 
* Equifax reflects the account as paid in full, yet both bureaus report derogatory payment history for recent months ( XXXX XX/XX/XXXX ), which is inconsistent with a closed and paid account. 
XXXX. Highest Balance Reported as {$0.00} ( TransUnion ) : * TransUnion incorrectly lists the highest balance as {$0.00}, even though the original loan amount was {$12000.00}. 
XXXX. Payment History After Closure : * Late payments continue to be reported on both credit bureaus even after the account was closed and/or paid off, which is inaccurate and misleading. 
* No new late payments should be reported on a closed account with a {$0.00} balance. 
Sincerely,

Company response to consumer: Closed with non-monetary relief