Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies and unlawful reporting practices on my Equifax credit file. Despite submitting formal disputes by mail dated XX/XX/XXXX & XX/XX/XXXX, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, Equifax has marked the reinvestigations completed but continues to report inaccurate, unverifiable, and misleading information across several tradelines and a public record. 

These errors harm my creditworthiness, impair my ability to obtain credit, and violate federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Services Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Closed Reported as updated but is not actually reported - Date of last payment reported XX/XX/XXXX, payment grid shows current payments through XX/XX/XXXX, 24 month history shows XX/XX/XXXX as last payment. 
- Date Major Delinquency First Reported is XXXX years after reported DOFD - Date of last activity is not reported - Account skips 30/60/90 day late reporting - 24 month history indicates account was closed at minimum since XX/XX/XXXX, but negative monthly reporting continues through XX/XX/XXXX. 
- There is no remark indicating the account is/was in dispute. 
- Balance, Credit Limit, High Credit is not reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account reported closed XX/XX/XXXX, late payment remarks continue through XX/XX/XXXX, monthly charge off remarks in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX - Date of last activity is not reported - Balance, Credit Limit , High Credit is not reported - There is no remark indicating the account is/was in dispute. 
- 24 month history skips from XX/XX/XXXX to XX/XX/XXXX - Date of major delinquency first reported is 3 years after reported DOFD and re-aged since dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date of last activity is not reported - Date of last payment is not reported - Balance, Credit Limit, High Credit is not reported - DOFD is reported as XX/XX/XXXX, however payment history grid shows current payment status through XX/XX/XXXX. 
- Date closed is reported as XX/XX/XXXX, however late payment remarks start in XX/XX/XXXX continuing through XX/XX/XXXX, charge-off monthly reporting XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX - Date Major Delinquency first reported is not reported - 24 month history skips from XX/XX/XXXX to XX/XX/XXXX - Remark indicates reinvestigation due to dispute is still in process even though it has already been completed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date of last activity is not reported - Balance, Credit Limit, High Credit not reported - Date of last payment reported as XX/XX/XXXX, payment history grid reports current payments through XX/XX/XXXX. 
- Date Closed is reported XX/XX/XXXX, monthly charge-off remarks reported XX/XX/XXXX through XX/XX/XXXX - Date of major delinquency first reported is nearly 3 years after reported DOFD and XXXX after dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of last activity is not reported - Balance, Credit Limit, High Credit is not reported - Date Closed is not reported - Date of last payment reported XX/XX/XXXX, payment history shows current payment status through XX/XX/XXXX. 
- Account remarks indicate account closed since XX/XX/XXXX at minimum, monthly charge-off remarks reported from XX/XX/XXXX through XX/XX/XXXX. 
- There is no remark indicating the account is/was in dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of last activity is not reported - Date of last payment is not reported - Balance, Credit Limit, High Credit is not reported - DOFD reported as XX/XX/XXXX, payment history shows current payment remark in XX/XX/XXXX. 
- There is no remark indicating the account is/was in dispute. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date of last activity is not reported - Balance, Credit Limit, High Credit is not reported - Reported date of last payment ( XX/XX/XXXX ) does not match 24 month history reported last payment ( XX/XX/XXXX ) - Reported Date Closed ( XX/XX/XXXX ) is incorrect - Date of major delinquency first reported is not reported - Term Frequency is not reported - Remarks indicate the reinvestigation due to dispute is still in process even though dispute is completed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date of last activity is not reported - Reported Date of last payment ( XX/XX/XXXX ) does not match 24 month history reported last payment ( XX/XX/XXXX ) - Payment history grid was deleted after dispute - Use of narrative codes XXXX & XXXX in XX/XX/XXXX contradict each other - Terms Frequency is not reported - Date major delinquency first reported is 3 years after reported DOFD and was re-aged after dispute - Remark indicates reinvestigation due to dispute is still in process even though dispute was completed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Public record is being verified with a third-party data furnisher rather than the original furnisher of information ( the court ). 
- This public record has already been removed from XXXX  and XXXX  due to being unverifiable. 
- Court letter received and attached confirming they do not verify any information to credit reporting agencies. 


* * * * * * Federal Law Violations * * * * * * - FCRA 1681e ( b ) : Failure to assure maximum possible accuracy. 
- FCRA 1681i ( a ) : Inadequate reinvestigation of disputes.

- FCRA 1681i ( c ) : Failure to note disputes in consumer file.

- FCRA 1681i ( a ) ( 5 ) : Continuing to report unverifiable information after dispute.

- FCRA 1681c ( a ) ( 4 ) & ( 5 ) : Illegal re-aging of DOFD and obsolete reporting.

- FCRA 1681g : Failure to disclose complete and accurate file information.

Company response to consumer: Closed with non-monetary relief