Consumer complaint received 2025-03-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am filing this complaint against Equifax and TransUnion for their continued inaccurate reporting of a XXXX XXXX  ( XXXX ) account ( Account Number : XXXX ) on my credit reports, despite XXXX having removed it after failing to validate the account. This account is reported as a charge-off with a balance of {$1300.00}, a credit limit of {$3200.00}, and a date of first delinquency on XX/XX/XXXX. I fulfilled my payment obligations for this account, and I believe it may also be linked to identity theft and deceptive practices by XXXX and XXXX XXXX  Equifax and TransUnions reporting contains multiple discrepancies and inaccuracies, violating the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), the Truth in Lending Act ( TILA ), and has harmed my creditworthiness. 
In XX/XX/XXXX, I purchased a 78-inch television from Conns under a three months same as cash, no interest financing agreement through XXXX XXXX ( Account Number : XXXX ). Within three months, the TV stopped working. XXXX instructed me to contact XXXX, who sent a technician to replace my TV. The technician replaced the outer portion of my TV with a refurbished model, which he confirmed was renewed ( i.e., refurbished or factory restored ). I was upset about receiving a refurbished TV for the price of a new one but continued making payments to avoid credit issues. I satisfied the 36-month financing agreement, making all payments from XX/XX/XXXX to XX/XX/XXXX. 

Despite fulfilling my payment obligations, this account is reported as a charge-off on my Equifax and TransUnion credit reports. I believe this account may also be linked to identity theft, as I have been a victim of identity theft in the past ( XXXX XXXX Report # XXXX ). An email I sent on XX/XX/XXXX to XXXX with a photo of the TV suggests unauthorized activity, as I did not authorize further charges or account modifications beyond the original purchase. XXXX investigated and removed the account from my credit report after failing to validate it, confirming its invalidity. However, Equifax and TransUnion continue to report it with the following inaccuracies : Equifax Reporting ( last reported XX/XX/XXXX ) : Reports the account as a charge-off with a balance of {$1300.00}, but fails to provide critical details such as the date closed, date of last payment, payment history, and remarks. This incomplete reporting suggests a failure to ensure accuracy. 
TransUnion Reporting ( last reported XX/XX/XXXX ) : Reports the account as a charge-off with a balance of {$1300.00}, a date closed of XX/XX/XXXX, a last payment on XX/XX/XXXX, and a payment history showing only 5 % on-time payments, with late marks ( 120+ days late ) from XXXX to XXXX. TransUnion also notes Profit and loss write-off and XX/XX/XXXX times 30/60/90 days late. 
Discrepancies and Inaccuracies : Date Reported : Equifax ( XX/XX/XXXX ) and TransUnion ( XX/XX/XXXX ) differ by a week, indicating inconsistent updates. 
Date Closed : TransUnion reports XX/XX/XXXX, but Equifax does not specify, showing incomplete reporting. 
Date of Last Payment : TransUnion reports XX/XX/XXXX, aligning with my payment completion, but Equifax does not specify. 
Payment History : TransUnions history shows late payments through XXXX, which is impossible since I completed payments by XX/XX/XXXX. Equifax likely has similar inaccuracies but does not provide the history. 
Remarks : TransUnions Profit and loss write-off is inaccurate, as I paid off the account by XX/XX/XXXX. Equifax does not specify remarks. 
Worst Payment Status : TransUnion reports 120+ days late, which contradicts my payment completion. Equifax does not specify. 
I have filed a new FTC Identity Theft Report with a personal statement demanding the removal of this fraudulent account due to identity theft and deceptive practices by XXXX and XXXXXXXX XXXX. Equifax and TransUnions failure to remove this account, despite XXXX removal and the discrepancies in their reporting, violates FCRA Section 1681i ( duty to reinvestigate ) and Section 1681e ( b ) ( duty to ensure accuracy ). Additionally, XXXX and XXXXXXXX XXXX  deceptive practice of replacing my new TV with a refurbished one without proper disclosure may violate TILA and state consumer protection laws, further invalidating the accounts reporting as a charge-off. Equifax and TransUnions actions constitute negligent or willful noncompliance ( 15 U.S.C. 1681o or 1681n ), entitling me to damages.

Company response to consumer: Closed with explanation