Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
To Whom It May Concern, I am submitting this complaint because an account on my credit report is being reported inaccurately, and it is causing me serious financial hardship. I have always tried to be responsible with my credit, and having an accurate credit report is extremely important to me. My credit score affects every part of my life from being able to qualify for reliable transportation, to securing stable housing, and even being approved for basic necessities. 

Because of the inaccurate information being reported, I have been struggling to get approved for things I genuinely need. Ive recently been denied for credit that would have helped me manage essential expenses, and Im feeling overwhelmed and helpless. This situation has put me under a lot of stress, and it feels unfair to be penalized for something that is not even correct. 

The information being reported by the creditor and the credit bureaus is not accurate, and the inconsistencies have caused major inconvenience and harm. I rely on my credit to move forward in life, and these errors are holding me back. I am asking for immediate attention and assistance from Equifax and XXXX XXXX XXXX to delete this inaccurate information from my credit report. 

Below is the list of inaccuracies found in the account reporting : XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX High Credit : {$15000.00} Missing and Incomplete Account Information. The following critical data points are missing from the account reporting : Date of Last Activity is Missing, What was the last activity of this account? Date Closed os Missing, When this was closed? Charge Off Amount is Missing What is the last balance of this account when it got charged off? This account has been fully paid ; however, the report still shows incomplete and inaccurate data. The lack of updated and complete information results in a misleading representation of my credit profile.I need the following to be updated. Date of Last Activity, Date Closed and Charge Off Amount. 
The Payment History field contains inconsistent and impossible sequences : Account shows 150 days late in XX/XX/XXXX. Then immediately shows Collection ( XXXX ) in XX/XX/XXXX. Collection status continues XX/XX/XXXX XX/XX/XXXX. Then in XXXX XXXX, the history suddenly shows XXXX days late, repeated XXXX times. A collection account can not simultaneously continue aging in delinquency.Once an account is placed in collections, it stops aging as a normal installment/tradeline account.It can not go from collection status back to XXXX days late over a year later. I need the payment history to be fixed. 
Misreported- The XXXX-days-late entries in XXXX occur long after the account was already treated as a collection in XXXXSuch misreporting has a severe negative impact on : Payment history ( largest scoring factor ), Overall credit score, Lenders perception of risk. Delete any unverified or conflicting data entirely. Or update the payment history. I need this XXXX % accurate and verifiable. 
Incorrect Account StatusReported as Repossession Instead of Paid.The Account Status field is currently reporting the account as Repossession. If the account was settled, paid in full, or closed voluntarily, it can not legally be reported as a repossession.Reporting it as a repossession is factually false and materially misleading.An incorrect repossession label is extremely damaging and must be corrected immediately.Update the Account Status to Paid, Paid/Closed, or the accurate equivalent, depending on the verified records from the furnisher.Lastly, I would like your agency to remove this account from dispute. Lastly, I am writing to formally request the removal of all In Dispute, Account in Dispute, Consumer Disputes This Account, or similar dispute-related remarks from my credit file. 

I respectfully request that this account be fully investigated and removed from my credit report if the furnisher can not provide accurate, consistent, and verifiable documentation. I am simply asking for fairness and for my credit report to reflect truthful information. I truly need your help resolving this as soon as possible. 

Thank you for your time and urgent attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation