Consumer complaint received 2025-08-27 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: PA

Complaint narrative:
Name : XXXX XXXX XXXX : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX Subject : Formal Dispute of Illegal Re-Aging and Inaccurate Reporting Dear Transunion/Equifax/Experian , I am formally disputing unlawful re-aging and inaccurate reporting on my credit file. I have not made any payments, settlements, or consumer-initiated actions on the accounts listed below in XXXX. Yet, your reports now show new and more recent Last Activity dates only after my disputes were filed. This creates the false impression that these debts are newer, which is prohibited under the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX, ~ {$430.00} ) XXXX Report : Last Activity XX/XX/XXXX XXXX Report : Last Activity XX/XX/XXXX ( with dispute comment ) I made no payment or action to justify this update. The change misrepresents the debts age and constitutes illegal re-aging. 

XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX, ~ {$400.00} ) XXXX Report : Last Activity XX/XX/XXXX XXXX Report : Last Activity XX/XX/XXXX ( Dispute Resolved Subscriber Disagrees ) Again, no payment or consumer activity occurred. This change improperly resets the reporting timeline. 

Why This Violates the Law FCRA 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ) Furnishers must report the Date of First Delinquency ( DOFD ) that triggered charge-off/collection. That date can not be reset due to disputes, verifications, or administrative updates. 

FCRA 605 ( a ) & ( c ) ( 15 U.S.C. 1681c ) Negative accounts can not be reported beyond seven years from the DOFD. Changing Last Activity dates unlawfully extends reporting.

FCRA 611 ( a ) ( 15 U.S.C. 1681i ) Credit bureaus must conduct a reasonable reinvestigation and delete or correct items that are inaccurate or unverifiable. 

XXXX XXXX : XXXX XXXX Trans Union, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Investigations must be meaningful, not superficial. 

XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) CRAs can not rely solely on furnisher responses without deeper verification. 

XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) Furnishers have a duty to conduct a reasonable investigation upon notice of a dispute. 

XXXX Disputes Must Be Treated Equally Under FCRA 623 ( a ) ( 8 ) and 12 C.F.R. 1022.43, disputes submitted via CFPB.gov must be handled with the same obligations as direct disputes. The CFPBs XXXX Circular ( XXXX ) clarifies that all disputesregardless of channelrequire a reasonable investigation by both CRAs and furnishers. 

My Demands Immediate Correction or Deletion Correct both accounts to reflect the true DOFD, and remove any improper XXXX Last Activity updates ; OR Delete the accounts entirely if you can not verify with original, account-level documentation. ( FCRA 611 ( a ) ( 5 ) ) If You Verify, Provide Full Method of Verification ( MoV ) Under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) & 611 ( a ) ( 7 ), within 15 days of verification, provide : The business name, address, and phone number of the furnisher relied upon ; A description of the data reviewed and how accuracy was determined ; Under FCRA 609, disclose all information in my file related to these items, including ACDV/e-OSCAR records, dispute codes, transmission logs, and any documents relied upon. 

Deadlines 30 days to reinvestigate and correct/delete. 
15 days to provide MoV if verified as accurate. 

Notice of XXXX in XXXX For the record, I have made no payments or consumer actions in XXXX. Any new Last Activity dates in XXXX are the result of your or the furnishers processing, not consumer activity, and must not be used to refresh delinquency timelines. 

Preservation of Rights Failure to correct or remove these inaccuracies will be considered willful and negligent noncompliance under 15 U.S.C. 1681n & 1681o. I reserve all rights to pursue legal remedies, including statutory and punitive damages, attorneys fees, and injunctive relief. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation