Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Complaint Against : XXXX XXXX ( furnisher ), Experian, Equifax, and TransUnion ( credit bureaus ) Issue : Inaccurate and misleading credit reporting / unlawful re-aging of debt Account in Dispute : XXXX XXXX Account Number ( last 4 ) : XXXX Balance Reported : {$1900.00} Complaint Text : I am filing a complaint regarding the inaccurate and unlawful reporting of a XXXX XXXX account across all three major credit bureaus. The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) in multiple ways and can not be corrected only deleted. 

1. Conflicting Reporting Across Bureaus Experian : Reports the account as a recurring collection each month, making it appear as ongoing delinquency. 

Equifax : On XX/XX/year>, the account was classified as Other, then switched to Closed on the same date. Despite being closed, Equifax continues to refresh the account with a Date Reported of XX/XX/year> and list the balance as past due. 

TransUnion : Reports the same account as Collection/Charge-Off with a different Date Reported of XX/XX/year>. 


The same account can not simultaneously be an open recurring collection, a closed account, and a charge-off with three different reported dates. This is a clear violation of FCRA 1681e ( b ), which requires that information furnished to consumer reporting agencies be reported with maximum possible accuracy.

2. Illegal Re-Aging of a Closed Account Both Equifax and TransUnion are updating this account with recent Date Reported values in 2025, even thou
gh the account became delinquent years earlier. This constitutes unlawful re-aging, which is explicitly prohibited under FCRA 605 ( c ) and FTC guidance. Once an account is charged-off/closed, the Date of First Delinquency ( DOFD ) can not be reset or updated to create the appearance of a new derogatory event.

3. Materially Misleading to Lenders Even if balances are consistent, the contradictory statuses across bureaus materially mislead creditors, lenders, and third parties. Courts have recognized that reporting which is technically true but misleading is still inaccurate under the FCRA. By showing the account as recurring, closed, and charge-off depending on the bureau, XXXX and the CRAs are materially misrepresenting the true status of the account.

4. Unreliable and Uncorrectable Data Because this account has been tainted by repeated FCRA violations, contradictory statuses, and re-aging, it can not be corrected to meet the statutory standard of maximum possible accuracy. The only remedy is permanent deletion.

Requested Resolution : I request that this XXXX XXXX tradeline ( Account Number ( last 4 ) : XXXX ) be deleted in its entirety from all credit reports. Given the extensive contradictions across bureaus, improper re-aging, and violations of FCRA 1681e ( b ) and 605 ( c ), this account can not be corrected to achieve maximum possible accuracy. Deletion is the only appropriate remedy.

Company response to consumer: Closed with explanation