Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
This charged off account, using a XXXX in XX/XX/XXXX, is still being reported with a current balance, a current credit limit and/or reflects recent XXXX  activity : XXXX XXXX XXXX. After checking my most current credit reports, the updated information still shows as a current XXXX or other derogatory status after the date of XX/XX/XXXX when the account was charged off as a paid debt using a XXXX, converting it to a " CREDIT CARD LOAN '' and a " CANCELATION OF DEBT '', making any balance reporting for months after this date, a report of income. According to the FCRA income can not be reported on a credit report. After the date of XX/XX/XXXX This account can not be reported as a repeated charge off on my credit report or report any other changes to the balance, credit limit, or status after this date as it was a " CANCELLATION OF DEBT '' on XX/XX/XXXX and all values dated thereafter should reflect " {$0.00} '' on all XXXX major CRA reports. In the TRANSUNION CRA report the " HIGH BALANCE HISTORY '' and " CREDIT LIMIT HISTORY '' shows : " High balance of {$2800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$2800.00} from XX/XX/XXXX to XX/XX/XXXX '' AND " Credit limit of {$800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$800.00} from XX/XX/XXXX to XX/XX/XXXX ; {$800.00} from XX/XX/XXXX to XX/XX/XXXX '' even though the account was settled via the XXXX in XX/XX/XXXX and can not show a balance after XX/XX/XXXX. This XXXX should show no info on balances or credit limit past XX/XX/XXXX in both fields. XXXX  CRA " PAYMENT HISTORY '' shows incorrect reporting for last payment date, showing " XXXX '' days in " XX/XX/XXXX '' indicating last payment in " XX/XX/XXXX '', when it should have " OK '' listed in " XX/XX/XXXX '', " XXXX  '' listed in " XX/XX/XXXX '' and " XXXX '', " XXXX '', " XXXX '', " XXXX '', " XXXX XXXX XXXX XXXX XXXX in the sequential months thereafter concluding in " XX/XX/XXXX '' where status is changed to " CANCELLATION OF DEBT ''. EQUIFAX CRA " BALANCE '' shows a balance of " {$2800.00} '' starting in " XX/XX/XXXX '' through " XX/XX/XXXX '', and an {$800.00} Credit limit shown through the same months when those months fall after the " XX/XX/XXXX '' issuance of the " CANCELLATION OF DEBT '' and should show a " {$0.00} '' balance in those fields. EQUIFAX CRA also shows you only reporting good payments for " XX/XX/XXXX '' through " XX/XX/XXXX '', when it should show good payments for " XX/XX/XXXX '' through " XX/XX/XXXX ''. XXXX  CRA shows a " BALANCE HISTORY '' of " {$2800.00} '' from " XX/XX/XXXX '' through " XX/XX/XXXX '', and " ADDITIONAL INFO '' stating " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$800.00} ", when those months fall after the " XX/XX/XXXX '' issuance of the " CANCELLATION OF DEBT ''. This should show a " {$0.00} '' balance in those fields or no reporting at all of values after XX/XX/XXXX. You even stated, " Under the Fair Credit Reporting Act ( FCRA ), we are obligated to report payment history based on factual account data ''. Listing improper and inconsistent data to all 3 CRA is hurting my ability to obtain credit and is in violation of the FCRA. Please correct the reporting information to all 3 major CRA so they reflect the same and proper information listed above, and do so in accordance with all FCRA regulations

Company response to consumer: Closed with non-monetary relief