Consumer complaint received 2025-07-28 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: CA

Complaint narrative:
Equifax is currently reporting two charge-off accounts on my credit fileXXXX XXXX ( Account XXXX. XXXXXXXX XXXX XXXX  ) reported with a charge-off date of XX/XX/XXXX and a balance of {$4600.00} XXXX XXXX, and XXXX  XXXX ( Account XXXX. XXXXXXXX XXXX XXXX ) showing a charge-off dated XX/XX/XXXX with a balance of {$2500.00} XXXX XXXX. These accounts are outdated, unverified, and have been allowed to remain on my file in violation of multiple provisions of the Fair Credit Reporting Act. Despite my repeated attempts to request verification and dispute these entries, Equifax has failed to conduct any meaningful reinvestigation and continues to publish these damaging and potentially obsolete entries without accountability or supporting documentation. 

First, regarding the XXXX XXXX account, the charge-off is dated XX/XX/XXXX. According to the FCRA, specifically 15 U.S.C. 1681c ( a ), derogatory information such as charge-offs may not be reported for longer than seven years from the date of first delinquencynot the charge-off date. Yet Equifax has failed to disclose the true date of first delinquency, and theres strong reason to believe that it occurred prior to XXXX. If the accounts delinquency began in XXXX or earlier, Equifax is now violating federal law by continuing to report this tradeline. Worse still, Equifax has never supplied any documentation from the creditor to prove that this account is even accurate, let alone lawfully reportable. Despite submitting formal disputes, I received no records, no verification from the original lender, and no reinvestigation worthy of the term. Equifax simply sent back a form letter stating the account had been verifiedwith no explanation of how or with what evidence. 

The second account, from XXXX XXXX ( XXXXXXXX XXXX XXXX ), reported with a charge-off date of XX/XX/XXXXXXXX XXXX XXXX, is even olderand even more questionable. Given that the delinquency clearly occurred prior to XX/XX/XXXX, this account is now dangerously close to, or possibly beyond, the maximum seven-year legal limit. Once again, Equifax has chosen not to disclose the actual delinquency date, making it impossible to determine whether this entry is still legally reportable under 1681c ( a ). That lack of transparency and refusal to comply with the laws clear mandate on reporting timeframes is unacceptable.

Equifax also violated 15 U.S.C. 1681e ( b ) by failing to ensure the maximum possible accuracy of these charge-off entries. No updates, no supporting documentation, no communication from the creditorsjust two dormant negative marks that continue to destroy my credit profile without legal foundation. This is more than administrative negligenceits an institutional failure to protect consumers from stale and damaging data. I have not received a single document to prove these debts are still valid or legally collectible. Ive received no updated records from the furnishers and no proof that the accounts belong on my report. At this point, I have every reason to believe the continued presence of these tradelines is the result of outdated internal data, recycled from a breach or third-party data dump, and maintained without proper verification or legal grounds.

These inaccuracies are having a real and measurable impact. Ive been denied refinancing offers, blocked from credit extensions, and subjected to inflated interest rates. Ive spent months trying to get Equifax to act, only to be met with form responses and a refusal to investigate. Ive exhausted my options as a consumer, and I am now escalating this complaint because Equifax continues to disregard its responsibilities under the law while I am left to bear the financial and emotional consequences.

Company response to consumer: Closed with explanation