Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Credit Reporting Agency, I am submitting this letter as a formal demand for immediate deletion of tradeline XXXX furnished by XXXX XXXX XXXX due to inaccurate, contradictory, and legally impossible reporting, including unlawful re-aging. This letter also serves as a demand for detailed verification of your reinvestigation procedures and results. 

This tradeline contains materially inconsistent data across reporting cycles and across bureaus, including altered historical dates. Most critically, the Closed Date and Date of Last Activity were consistently reported as XX/XX/XXXX, and were later changed to XX/XX/XXXX. These are historical facts that can not lawfully change. This change unlawfully extends the reporting period by approximately 2.5 years and is prohibited by 15 U.S.C. 1681c ( a ).

In addition, this same account is reported with conflicting and mutually exclusive information, including inconsistent Dates of Last Activity, inconsistent last payment dates, inconsistent original loan amounts/high balance, and contradictory status combinations ( closed, charged off, in collection, and past due simultaneously ). This information is inherently unreliable and can not meet the FCRA accuracy standard.

Because the furnishers data is internally contradictory and includes unlawful re-aging, this tradeline is not capable of being verified as accurate. When information can not be verified, it must be deleted.

Accordingly, I demand the following : 1. Permanent deletion of tradeline XXXX in its entirety from my credit file. 
XXXX. If you claim you have verified this tradeline, I demand a complete and detailed description of the verification used, including : A. The exact method of verification used for each disputed data field ( Closed Date, Date of Last Activity, Date of First Delinquency, Balance, Past Due, Payment Status, High Balance, Last Payment Date, and account classification ).

B. The identity of the party that verified the information, including the name of the entity, department, and the individual or agent identifier who performed the verification.

C. The date and time the verification was performed and the date and time the furnisher responded.

D. The exact source documents relied upon to verify each disputed field, including which document supports the Closed Date and Date of Last Activity.

E. The name and title ( or agent identifier ) of the person who approved the verification decision to continue reporting the tradeline despite the documented re-aging and contradictions.

F. A statement confirming whether you used automated XXXX XXXX XXXX XXXXesponses only, or whether you obtained and reviewed actual documentary evidence.

3. Written confirmation that the account will not be reinserted without full compliance with 15 U.S.C. 1681i ( a ) ( 5 ), including advance written notice to me.

Company response to consumer: Closed with explanation