Consumer complaint received 2025-12-01 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: WV

Complaint narrative:
XXXX XXXX SSN : * -- XXXX Current Address : XXXX XXXX XXXX, XXXX, WV XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX and Equifax for Violations of the Fair Credit Reporting Act ( FCRA ) Dear CFPB Representative, I am filing a formal complaint against XXXX XXXX XXXX and Equifax Information Services LLC for reporting multiple inaccurate, incomplete, conflicting, and unverifiable items on my Equifax credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

The disputed account appears as : * XXXX XXXX XXXX Account ending in XXXX Auto Loan Status : Charge-Off This information was obtained from my Equifax report dated XX/XX/XXXX, Confirmation # XXXX. 

Specific FCRA Violations 1. Violation of FCRA 607 ( b ) : Failure to Assure Maximum Possible Accuracy Several fields contain clear, indisputable inaccuracies : The charge-off amount ( {$15000.00} ) exceeds the reported high credit ( {$15000.00} ) a mathematical impossibility. 

Narrative codes state the high credit equals the original charge-off amount, but the values differ.

Dates of delinquency, charge-off, and last payment contradict each other.

These inaccuracies demonstrate a failure to maintain accurate reporting as required.

2. Violation of FCRA 623 ( a ) ( 1 ) : Furnishing Information Known or Should Be Known to Be Inaccurate Bridgecrest continues to furnish : Contradictory dates Impossible financial figures Repeated monthly balances with no updates for over 24 months This constitutes furnishing information that is not accurate or reliable.

3. Violation of FCRA 623 ( a ) ( 5 ) : Misreporting / Re-Aging the Date of First Delinquency XXXX reports : Date of First Delinquency : XX/XX/XXXX Date Major Delinquency First Reported : XX/XX/XXXX Last Payment : XX/XX/XXXX These inconsistencies suggest improper re-aging to illegally extend the reporting period. 
Re-aging is explicitly prohibited by FCRA 623 ( a ) ( 5 ).

4. Violation of FCRA 611 ( a ) : Reporting Incomplete or Unverifiable Information The account contains : Blank scheduled payment amounts No updated payment activity Repeated identical balances for two years Conflicting charge-off data Unverifiable information must be deleted.

5. Violation of FCRA 605 ( a ) : Reporting Outdated or Improperly Dated Negative Information Re-aging artificially extends how long negative information remains on my credit report, violating the 7-year limit for delinquency-based reporting.

Requested Action Under FCRA 602A, 607 ( b ), 611 ( a ), 623 ( a ), and 623 ( a ) ( 5 ), I respectfully request : Immediate deletion of the entire XXXX XXXX XXXX account from my Equifax credit file, because : The account contains multiple factual inaccuracies. 

The data conflicts internally and is unverifiable. 

The delinquency has been improperly re-aged. 

The report violates federal obligations for accurate, complete, and fair reporting. 

I request the CFPB investigate these violations and ensure the consumer reporting agencies and furnisher comply with federal law. 

Attachments XXXXomplete Equifax credit report ( XX/XX/XXXX ) Highlighted Bridgecrest entry showing inaccurate fields. 

I have repeatedly sent disputes and they come back as verified, showing that Equifax has not performed due diligence and confirmed the actual misrepresentations in my report, leading to inaccurate reporting to continue despite those disputes. 

Thank you for your prompt attention. I request written confirmation once corrective actions have been taken. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation