Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern : This letter is a formal dispute regarding the major inconsistencies found in the reporting of my XXXX XXXX XXXX credit account. The information presented on my credit report is contradictory and demonstrates inaccurate reporting by the data furnisher ( XXXX XXXX XXXX ) and the consumer reporting agencies. 
Key Findings and Discrepancies * Contradictory Account Status : Open vs. Charged Off * The current details of my account ( Image XXXX ) present it as open and active. It shows a current balance of {$63.00}, a credit limit of {$1200.00}, and recent payment history for XXXX and XX/XX/XXXX. The primary alert states, " You have missed a payment on this account. '' * However, a recent change to my report ( Image XXXX ) explicitly states that between XX/XX/XXXX and XX/XX/XXXX, a remark for " Charged off account '' was removed. 
* Discrepancy : These XXXX statuses are mutually exclusive. An account can not be both open and actively reporting monthly payments while also being " charged off. '' The fact that my account was reported as charged off just days ago is in direct conflict with its current presentation as an open, active account. This strongly suggests that the reporting is fundamentally inaccurate. 
* Inaccurate Reporting Following My Consumer Dispute * My credit report shows that a remark was recently added to the account : " Consumer disputes- reinvestigation in progress '' ( Image XXXX ). This is correct, as I did initiate a dispute. 
* Following my dispute, the " Charged off account '' remark was removed ( Image XXXX ). 
* Analysis : While a change was made as a result of my dispute, the outcome is still inaccurate. Instead of correcting the account to show a {$0.00} balance and closed status or deleting the account entirely, it has been modified to appear as a standard open account with simple delinquencies. The underlying negative information remains, but in a new, equally confusing and inaccurate context. 
* Violation of " Maximum Possible Accuracy '' * The FCRA requires that CRAs follow " reasonable procedures to assure maximum possible accuracy '' of the information in reports. 
* The combination of conflicting information ( open vs. charged off ), the confusing changes made after my dispute, and the remaining delinquencies creates a misleading picture of my account 's actual status and history. An account that was severe enough to be charged off should not suddenly appear as a standard open account with a couple of late payments. This reporting fails the standard of maximum possible accuracy. 
* Potential Mathematical Inaccuracy in Payment History * The account details ( Image XXXX ) state, " You've made 75 % of payments on time. '' * My account was opened in XX/XX/XXXX, which is a XXXX period. The visible history for XXXX shows XXXX on-time payments and XXXX missed payments. 
* To achieve 75 % on-time payments over XXXX  months, I would need approximately 6.75 on-time payments ( XXXX \times 0.75 ). Even if my first XXXX payments were on time, that would be XXXX on-time payments out of XXXX total, which is 77.8\ %. If only XXXX of the first XXXX were on time, that would be XXXX out of XXXX, or 66.7\ %. The 75 % figure appears arbitrary and is another example of inaccurate data being reported on my account. 
Legal Framework : My Rights Under The Fair Credit Reporting Act ( FCRA ) My rights in this situation are protected by the FCRA. The key provisions are : * 15 U.S.C. 1681i ( FCRA 611 ) : This grants me the right to dispute inaccurate information on my credit report. The CRA must then conduct a " reasonable reinvestigation '' within 30 days.

* 15 U.S.C. 1681s-2 ( b ) ( FCRA 623 ) : This places duties on the furnisher of the information ( XXXX XXXX XXXX ). Once notified of my dispute by a CRA, they must conduct their own investigation. If they find the information is inaccurate, incomplete, or can not be verified, they must notify all CRAs to which they reported to permanently delete or modify the information.

Company response to consumer: Closed with explanation