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 status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting my government-issued ID, a recent utility bill to verify my address, and a formal identity verification letter with this complaint, in full compliance with Equifaxs request for documentation. Please confirm that these documents are accepted so my dispute may proceed without delay. This is a formal request for reinvestigation of newly reported derogatory data associated with XXXX XXXX XXXX, only the Account Number : XXXX XXXXXXXX, Loan/Account Type : Auto. I hereby dispute this account entirely and all information being reported as inaccurate and incorrect. No other XXXX XXXX XXXX account is being disputed other than Account Number : XXXX XXXX  with Amount Past Due : {$3300.00} and Charge Off Amount : {$3800.00}. Which appears on my Equifax credit report as of XX/XX/XXXX, Credit Report Date : XX/XX/XXXX Confirmation XXXX XXXXXXXX with a reported balance of {$3300.00} and a status of Charge Off and Date of XXXX Delinquency : XX/XX/XXXX. The account reflects XXXX instances of XXXXday late payments, despite showing no recent payment activity or closure resolution. This newly reported derogatory activity, including the update of serious delinquency codes in XX/XX/XXXX, constitutes a material change in reporting and therefore triggers Equifaxs statutory duty to reinvestigate under FCRA 1681i ( a ) ( 1 ) ( A ). Additionally, Equifax is obligated under FCRA 1681i ( a ) ( 2 ) to forward this dispute and all supporting materials to XXXX XXXX XXXX within XXXX business days. Equifax is also bound by FCRA 1681e ( b ) to ensure that all furnished information is maximally accurate and not misleading an obligation that has not been met here. I dispute the accuracy of both the payment history and the current reporting status, including the accuracy of the XXXX XXXX XXXX : {$3300.00} and Charge Off Amount : {$3800.00} for this account. The file states Actual Payment Amount : {$0.00} and lists no active delinquency notices or verifiable documentation proving the origin, default, or lawful continuation of this debt. I further dispute Date of Last Payment : XX/XX/XXXX and Term Duration : 72 Months, all charge-off dates, Date Closed, Date Open, Activity Designator, Date of XXXX Delinquency : XX/XX/XXXX, High Credit : {$3800.00}, and Balance : {$3300.00}. The repeated XXXXday late notations are excessive, appear automated, and may constitute illegal re-aging under FCRA 1681c ( a ) ( 4 ), which prohibits the re-reporting of old derogatory activity as new. If the date of first delinquency precedes this reporting period and there has been no payment or contract modification, then the rolling updates are a direct violation of federal law. I have not received a valid Notice of Default, no legally signed contract supporting the account terms, nor any original documentation from XXXX or Equifax demonstrating that this account is being reported in accordance with my rights under the FCRA. If such original records can not be produced, including any notice of acceleration or proof that XXXX has retained the right to report this data, the item must be treated as unverifiable and deleted under FCRA 1681i ( a ) ( 5 ) ( A ). This dispute is based on newly updated derogatory content and can not be dismissed as frivolous. Under FCRA 1681i ( a ) ( 3 ), Equifax must provide a written explanation within XXXX days if it believes a dispute is frivolous, and no such notice has been issued. Finally, I invoke FCRA 1681i ( a ) ( 5 ) ( A ) ( XXXX ), which requires Equifax to delete unverifiable or inaccurate data within XXXX business days of completing its reinvestigation. Failure to comply with this timeline constitutes a further violation of federal law and may be reported to the Consumer Financial Protection Bureau ( CFPB ) and other enforcement authorities. Accordingly, I request the immediate and permanent deletion of the XXXX XXXX XXXX account from my Equifax credit file. Further, because this account reflects repeated derogatory notations far beyond the date of first delinquency, with XXXX instances of XXXXday late reporting and continued charge-off updates despite no consumer activity. These updates materially misrepresent the account 's age and status, amounting to illegal re-aging and deceptive reporting under FCRA 1681c ( a ) ( XXXX ). Credit reporting agencies are prohibited from re-reporting old negative information as new, and XXXX XXXX XXXX XXXX XXXX have violated that provision. Given the severity of this FCRA breach and its ongoing harm to my creditworthiness, the only fair and lawful remedy is full and immediate deletion. If neither Equifax nor XXXX can produce legally valid documentation, including a signed agreement, default notice, and full payment history, this information must be removed. Please confirm the deletion in writing, or provide the results of your reinvestigation and all supporting documentation within the legally required timeframe.

Company response to consumer: Closed with non-monetary relief