Consumer complaint received 2025-06-10 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:
To Whom It May Concern : This letter serves as a formal dispute and final demand for immediate correction or deletion of multiple inaccurate, misleading, and unlawfully re-aged tradelines on my consumer credit reportspecifically those reported by XXXX XXXX  ( ending in XXXX ) and XXXX  XXXX XXXX ( ending in XXXX ). 

Despite documented efforts to address these errors directly with the furnishersincluding through CFPB complaintsthey continue to refuse correction or deletion of data that blatantly violates the Fair Credit Reporting Act ( FCRA ) and its accuracy, integrity, and aging standards. I am now requesting immediate intervention from your credit bureau to correct these inaccuracies in full. 



XXXX. XXXX Platinum Select ( Account Ending in XXXX ) Re-Aged Charge-Off & Misleading Reporting Initial delinquency began in XX/XX/XXXX, with payment lates escalating through XX/XX/XXXX ( XXXX  days late ). 
A charge-off was improperly recorded in XX/XX/XXXX, nearly XXXX years after the account should have been charged off per FCRA 1681c ( a ) ( 4 ). 
There are reporting gaps from XXXX, then an abrupt charge-off inserted in XXXX distorting the aging of the debt. 

This is a textbook example of illegal re-aging and a violation of : FCRA 1681c ( a ) ( 4 ) limiting reporting to 7 years from date of first delinquency.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) prohibiting the reporting of inaccurate information.

FCRA 1681e ( b ) requiring maximum possible accuracy.

FCRA 1681s-2 ( b ) requiring correction or deletion of disputed, inaccurate, or unverifiable information. 



XXXX XXXX XXXXXXXX XXXX ( Account Ending in XXXX ) Re-Aging, Reporting Gaps, and Deceptive Charge-Off The original delinquency began in XX/XX/XXXX, with continued late payments through JXXXX XXXX XXXX days late. 
No payment history is reported for all of XXXX. 
A charge-off is suddenly reported in XX/XX/XXXX, nearly XXXX years late and well beyond the legally permitted XXXX timeframe. 

These actions are a clear violation of : FCRA 1681c ( a ) ( 4 ) the seven-year clock must begin from XXXX XXXX

FCRA 1681s-2 ( b ) furnishers must report complete and accurate data, and can not mislead by delaying or backdating charge-offs.

FCRA 1681e ( b ) you, the bureau, must ensure the data you publish is not deceptive or incomplete. 



HARM & DAMAGES SUFFERED : Because of these re-aged and inaccurately reported accounts, I have suffered substantial and ongoing harm : Denied employment opportunities, including in federal law enforcement. 
Denied housing and credit, affecting the financial stability of my family. 
Ongoing mental and emotional distress from unfair suppression of my creditworthiness. 



FORMAL DEMAND : As required under FCRA 1681i ( a ) and related provisions, you must take one of the following actions within 15 calendar days : 1. Delete the following from my credit report : All derogatory data from XXXX ( account ending XXXX ), All derogatory data from XXXX XXXX XXXX ( account ending XXXX ), Or the entire accounts, if full verification can not be produced.

2. Provide a written investigation report detailing : The exact date of first delinquency verified for each account. 
The justification for any charge-off dates that occurred well after the XXXX delinquency threshold. 
Documentation you relied upon from the furnishers. 



NOTICE OF INTENT TO ESCALATE : If these inaccuracies are not corrected or removed, I will file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), The Pennsylvania Attorney General, and I will initiate legal action against both the furnishers and your bureau for willful noncompliance under FCRA 1681n and 1681o.

You are now officially on notice. This is my final effort to resolve these violations amicably before proceeding with litigation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation