Consumer complaint received 2025-09-13 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: DC

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding inaccurate and misleading credit reporting by XXXX XXXX XXXX XXXX related to an auto loan account that was settled in full in XX/XX/XXXX. The current reporting on Equifax is factually incorrect and may violate the Fair Credit Reporting Act ( FCRA ). 

Account Details : Creditor : XXXX XXXX Auto Finance Account Number : XXXX Original Loan Amount : {$17000.00} Date Opened : XX/XX/XXXX Date Settled in Full : XX/XX/XXXX Settlement Amount Paid : {$1200.00} Reported Date Closed : XX/XX/XXXX Current Reported By : Equifax Date of Most Recent Report : XX/XX/XXXX Summary of Inaccurate Reporting : This account was settled on XX/XX/XXXX for {$1200.00}. After that point, there should be no further payment activity, delinquencies, or charge-offs reported. However, Equifax is currently reporting the following incorrect and potentially unlawful information : Re-aging of Charge-Offs : The account now reflects new charge-offs for XXXX, XXXX, and XX/XX/XXXX, which is over three years after the settlement. This account was already charged off and settled in XXXX. Reporting new charge-offs after settlement is not only inaccurate, but it may also be an attempt to re-age the account, which is a violation of the FCRA. 

False Payment Activity : Payment history is showing for XX/XX/XXXX through XX/XX/XXXX, despite the account being closed and settled. There was no activity during those dates, and the account was not in repayment or collections. 

Incorrect Date of Last Payment : The report lists XX/XX/XXXX as the last payment date. This is false. The actual final payment was made on XX/XX/XXXX, when the account was settled in full. This misreporting further distorts the timeline and could improperly extend the time negative information remains on my credit report. 

Previously Accurate Reporting Now Changed : I have documented proof including screenshots from my XXXX  credit report showing that this account was previously reported correctly, with no payment activity or delinquencies after the XX/XX/XXXX settlement. This demonstrates that the account has been re-aged or altered, and is no longer being reported consistently across credit bureaus. 

Violations of Federal Law : These actions appear to violate several provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must not report information known to be inaccurate.

15 U.S.C. 1681s-2 ( b ) : Upon receiving notice of a dispute, furnishers must investigate and correct inaccurate information.

15 U.S.C. 1681c ( a ) ( 4 ) & ( 5 ) : Credit reporting agencies must not include outdated or re-aged negative information, including charge-offs that are more than 7 years from the date of first delinquency.

15 U.S.C. 1681i ( a ) : The credit bureau must reinvestigate disputed information and correct or delete inaccurate or unverifiable information within 30 days. 

By reporting new charge-offs and payment activity years after the account was closed and settled, XXXX XXXX XXXX XXXX and Equifax may be in willful and/or negligent violation of these sections.

Company response to consumer: Closed with non-monetary relief