Consumer complaint received 2025-05-18 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: OH

Complaint narrative:
I am filing this complaint regarding three credit accounts ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX that are being reported in a way that is factually inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). I have disputed all three accounts with XXXX, Equifax, and TransUnion. Only XXXX  responded appropriately TransUnion and Equifax have failed to correct the accounts or remove legally expired information. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Original Balance : {$36000.00} | Current Balance : {$23000.00} Issue : This account was charged off in XX/XX/XXXX and has had no payment activity since XXXX. However, it continues to report monthly charge-off ( " CO '' ) statuses from XXXX through XX/XX/XXXX. It also falsely lists a " last payment '' date of XX/XX/XXXX, which is incorrect. 

These updates make the account appear newer and more active than it is, violating : FCRA 605 ( c ) illegal re-aging FCRA 623 ( a ) ( 1 ) ( A ) furnishing inaccurate/misleading info FCRA 611 failure to correct reporting after disputes I disputed this account with all three bureaus. XXXX  failed to correct it. TransUnion and Equifax left it verified, even though the timeline is factually wrong. 

XXXX. XXXX XXXX XXXX ( Auto Loan ) Opened : XX/XX/XXXX Charged-Off Balance : {$20000.00} Issue : This account is marked as assumed by another party, but it is still reporting ongoing charge-off updates monthly through XXXX. No payment has been made since XXXX, yet it appears as if I am in constant delinquency. 

I disputed this account as well, and it remains uncorrected by TransUnion and Equifax, despite : FCRA 605 ( c ) re-aging over 6 years FCRA 623 ( a ) ( 1 ) ( A ) furnishing false account responsibility FCRA 611 bureaus failed to investigate and update the record XXXX. XXXX XXXX XXXX XXXX Credit Card ) Opened : XX/XX/XXXX Charge-Off Amount : {$12000.00} Last Payment : XX/XX/XXXX Issue : This account is now at or beyond the XXXX reporting limit defined in FCRA XXXX ( a ) ( XXXX ). The last actual payment was made in XX/XX/XXXX, and the account should be removed by XX/XX/XXXX. 

I disputed the account with all XXXX bureaus. XXXX  deleted it, but Equifax and TransUnion continue to report it, even though the XXXX window for negative information is expiring. The ongoing reporting of this tradeline is : FCRA 605 ( a ) ( 4 ) expired negative information FCRA 611 failure to correct after dispute FCRA 623 continued furnishing of outdated data Summary of Legal Violations ( Across All 3 Accounts ) FCRA 605 ( c ) Illegal re-aging ( monthly COs after charge-off ) FCRA 623 ( a ) ( 1 ) ( A ) False payment dates, misleading account status FCRA 611 Failure to correct or remove inaccurate information after disputes These actions violate consumer protection laws and federal reporting rules. They also contradict federal court rulings including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Furnishing false info without correction is a violation Ive done my part. I disputed these accounts. I provided accurate info. Yet TransUnion and Equifax continue to report data that is either expired, re-aged, or false.

Company response to consumer: Closed with non-monetary relief