Consumer complaint received 2025-07-25 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: SC

Complaint narrative:
All three credit bureausEquifax, XXXX, and XXXX currently reporting XXXX charged-off accounts that are outdated, unverified, and being maintained on my credit reports in direct violation of the Fair Credit Reporting Act. These accounts include XXXX XXXX  XXXX ( Account No. XXXXXXXX XXXX XXXX ), reported as a charge-off with a balance of {$6700.00} and a date of XX/XX/XXXXXXXX XXXX XXXX, and XXXX ( Account XXXX. XXXX * * ), reported as a charge-off in the amount of {$10000.00} with a date of XX/XX/XXXX XXXX XXXX Both of these accounts are being used as derogatory marks to suppress my credit score, despite the fact that neither has been properly verified through documentation, and one of them is dangerously close to the maximum reporting age permitted by law. 

First, in the case of the XXXX XXXX  XXXX tradeline, this charge-off stems from an event dated XX/XX/XXXX. If the original delinquency occurred prior to that dateas is almost always the case with charge-offsthen this account is approaching or may already exceed the seven-year reporting limit permitted under the Fair Credit Reporting Act. Any negative account, including charge-offs, must be removed no later than seven years from the date of the first delinquency that led to the default. Continuing to report this tradeline without disclosing the actual date of first delinquency prevents consumers from understanding whether the data is legally reportable at all. If the first missed payment predates XX/XX/XXXX by even a few months, this account is no longer reportable under 15 U.S.C. 1681c ( a ). Yet the bureaus continue to report it without context or transparency, which is both misleading and noncompliant. 

Second, regarding the XXXX account, the bureaus are reporting a charge-off dated XX/XX/XXXX for a balance of $ XXXX none of the agencies have been able to provide documentation proving the validity, accuracy, or current status of this tradeline. I have submitted formal disputes demanding verification of the debt, including requests for billing records, contractual documents, and full payment histories from the original creditor. Instead of complying with the law and furnishing actual proof, all three bureaus responded with generic language stating the account had been verified. No documents were provided. No evidence was shown. No compliance with the standard for a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) was met. This is not verificationit is obstruction.

Further, under 15 U.S.C. 1681e ( b ), consumer reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Continuing to publish stale, unverified, and incomplete charge-off dataespecially when the alleged creditors are no longer even attempting to collect on these accountsis a gross violation of that requirement. These entries have been sitting in my file for years, degrading my credit score and reputation, with no updates, no evidence of balance movement, no contact attempts, and no proof that they are still legally collectible or valid. Their presence serves no purpose except to inflict long-term damage for accounts that have long been abandoned by the creditors themselves. 

The real-world impact of these errors has been staggering. My credit score continues to be weighed down by XXXX entries that I have repeatedly tried to dispute, correct, or validate. Ive been denied refinancing options, rejected for personal credit lines, and quoted outrageous interest ratessimply because of XXXX charge-offs that neither the bureaus nor the furnishers have properly substantiated. I am being penalized over debts that may not even meet the legal requirements for reporting, and XXXX, XXXX, and Equifax are all complicit by blindly defending these entries without accountability or documentation. The stress of seeing the same unverifiable negative marks harm my financial futuredespite my efforts to correct themis exhausting, frustrating, and completely unacceptable.

Company response to consumer: Closed with non-monetary relief