Consumer complaint received 2025-10-22 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: FL

Complaint narrative:
I am writing this letter to exercise my rights as a consumer to an accurate credit report. Due to the failure of reporting credit bureaus and debt collectors to uphold their duties, I am now lead to taking matters into my own hands. The following reporting account is impacting my credit score and my rights to obtain credit due to the extremities of inaccuracy. 
Debt Collector : XXXX XXXX XXXX  Amount Reporting : {$2400.00} The account is reporting three different last activity dates to all three credit bureaus, failing to adhere to accuracy. The account also is reporting to Equifax and Experian that its last activity was on XX/XX/year> which is before its reporting open date of XX/XX/year>. How can an account have last activity BEFORE it is even open? The account is also reporting as open to TransUnion when a collection is by default a closed account. It is reporting to Experian as a charge off and to Equifax as refinanced. How can one account from the same agency vary in so many ways across the board when according to 15 US CODE 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure XXXX  possible accuracy of the information concerning the individual about whom the report relates. 
With a variation of dates reporting for last activity, this is impacting the accounts statute of limitations ( 605 - 15 U.S.C. 1681c ). This account updating is adding additional negative remarks to my credit report, failing to provide accuracy by documenting adverse dates, incorrect reporting statuses, and multiple counts of illegally reaging debts, which according to 605 - 15 U.S.C. 1681c, tampers with the proper timeline for the statute of limitations.

605 - 15 U.S.C. 1681c - Running of Reporting Period ( 1 ) In general. The 7-year period referred to in paragraphs shall begin, with respect to any delinquent account that is placed for collection, charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. 
These issues are causing severe and wrongful impacts to my credit report and I want the account deleted. 
According to the FCRA I have the right to dispute incomplete or inaccurate information and consumer agencies have the responsibility of deleting inaccurate, incomplete or unverifiable information. You as agencies have failed to assure maximum possible accuracy of the information concerning my credit report and I want this account to be DELETED and to cease its reporting to all credit bureaus. It is evident that they all have failed to do their due diligence by exercising integrity and accuracy and for this they have cost me. I look forward to your response in deletion.

Company response to consumer: Closed with explanation