Consumer complaint received 2025-03-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I am writing to dispute several inaccuracies on my credit report regarding an account listed under [ Lender Name ] with the account number ending in [ last 4 digits of the account number, e.g., 5888 for TransUnion, XXXX for XXXX, or XXXX for XXXX ]. I have reviewed my credit reports from all three major bureaus ( TransUnion, XXXX, and XXXX ) and identified multiple discrepancies in the reporting of this account. These inconsistencies may be affecting my credit score and my ability to secure credit. Under the Fair Credit Reporting Act ( FCRA ), I request that you investigate and correct these errors promptly.

Below is a detailed list of the discrepancies I have identified for this account, which is reported as an installment auto loan with a balance of {$29000.00} and a status of Collection/Charge-off.

Discrepancies Identified 1. Date Opened TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Issue : TransUnion reports the account as opened on XX/XX/XXXX, which is 21 days later than the date reported by XXXX and XXXX ( XX/XX/XXXX ). This discrepancy affects the average age of accounts on my credit report, a factor in credit scoring models. 
Requested Correction : TransUnion should update the Date Opened to XX/XX/XXXX to align with XXXX and XXXX. 
XXXX. High Credit TransUnion : {$27000.00} XXXX : {$27000.00} XXXX : {$29000.00} Issue : XXXX reports a higher High Credit amount of {$29000.00}, which is {$1700.00} more than the amount reported by TransUnion and XXXX ( {$27000.00} ). This discrepancy may affect how my debt load is perceived by lenders. 
Requested Correction : XXXX should update the XXXX XXXX to {$27000.00} to match TransUnion and XXXX. 
XXXX. Last Reported TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Issue : XXXX reports an earlier Last Reported date of XX/XX/XXXX, which is 27 days earlier than TransUnion and XXXX ( XX/XX/XXXX ). This discrepancy may make the derogatory status appear less recent on XXXX report, potentially affecting my XXXX XXXX. 
Requested Correction : XXXX should update the Last Reported date to XX/XX/XXXX to align with TransUnion and XXXX. 
XXXX. Date Last Active TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Issue : There is a significant discrepancy in the Date Last Active field. TransUnion shows the most recent activity on XX/XX/XXXX, XXXX shows XX/XX/XXXX, and XXXX shows the earliest date of XXXX difference of up to 10 months. This inconsistency affects how recent the accounts negative status appears, which can impact my credit score and lender decisions. 
Requested Correction : XXXX and XXXX should update the Date Last Active to XX/XX/XXXX to match TransUnion, as this appears to be the most recent and accurate date based on the Date of Last Payment field ( see below ). 
XXXX. Date of Last Payment TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Issue : XXXX reports the Date of Last Payment as XX/XX/XXXX, which is 8 months earlier than TransUnion and XXXX ( XX/XX/XXXX ). This discrepancy affects the perceived delinquency timeline and how long the account has been in a derogatory status. 
Requested Correction : XXXX should update the Date of Last Payment to XX/XX/XXXX to align with TransUnion and XXXX. 
XXXX. Account Type TransUnion : Auto Loan Experian : Auto Loan XXXX : - ( not specified, only listed as Installment ) Issue : XXXX does not specify the account as an Auto Loan, only as an Installment account, while TransUnion and XXXX provide the more specific designation. While this is a minor discrepancy, it could lead to confusion for lenders. 
Requested Correction : XXXX should update the Account XXXX to specify XXXX XXXX for clarity and consistency. 
XXXX. Comments TransUnion : Charged off as bad debt ; Dispute resolved; customer disagrees XXXX : Subscriber reports dispute resolved consumer disagrees ; Unpaid balance reported as a loss by the credit grantor XXXX : Consumer disputes after resolution ; Charge off account Issue : The comments vary in wording across all three bureaus. While the core message ( charge-off and dispute ) is consistent, XXXX includes an additional note about Unpaid balance reported as a loss, which is not present in the other reports. This inconsistency in phrasing could lead to differing interpretations by lenders. 
Requested Correction : All three bureaus should standardize the comments to reflect the same information. I suggest using XXXX phrasing : Charged off as bad debt ; Dispute resolved ; customer disagrees, as it is clear and consistent with the accounts status.

Company response to consumer: Closed with non-monetary relief