Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
Subject : Formal Complaint Concerning : 1 ) Systematic Illegal Re-Aging of Debt, and 2 ) Willful Furnishing of Inaccurate Credit Data. Violations of the FCRA ( 15 U.S.C. 1681 et seq. ) by Multiple Furnishers and Credit Bureaus.

To Whom It May Concern : I am filing this formal complaint against multiple furnishers and the national credit reporting agencies ( NCRAs ) for willfully furnishing and publishing grossly inaccurate, misleading, and illegally re-aged information on my credit report. These are not isolated errors but a pattern of severe violations that cause significant harm to my financial standing and are in direct violation of the Fair Credit Reporting Act ( FCRA ).

1. Complaint Against Furnishers for Illegal Re-Aging ( FCRA 1681c ( f ) ) The most egregious violations involve the illegal re-aging of old debts to make them appear current, a practice explicitly forbidden by law. 

XXXX XXXX XXXX : The account was charged off years ago, with a " Date of Last Payment '' of XX/XX/XXXX. Despite this, the furnisher is deceptively reporting it with a " Last Reported '' date of XX/XX/XXXX. This is a blatant attempt to reset the 7-year reporting period and suppress my credit score. 

XXXX XXXX XXXX XXXX : Similarly, this charged-off account with a last payment date of XX/XX/XXXX is being illegally re-aged with a " Last Reported '' date of XX/XX/XXXX. 

This practice is a clear and willful violation of FCRA 1681c ( f ) and the CFPB 's own guidance in Bulletin 2013-07, which condemns re-aging and requires the use of the original Date of First Delinquency.

2. Complaint Against Furnishers for Furnishing Patently Inaccurate Data ( FCRA 1681s-2 ( a ) ) Multiple furnishers are reporting logically impossible information that no reasonable procedure would verify as accurate. 

XXXX XXXX XXXX ( Acct # XXXXXXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX  XXXX, et al. : These accounts are all reported as " Closed '' or " Canceled by credit grantor '' but are simultaneously reporting new severe delinquencies ( e.g., " Late 120 Days '' ) for dates in XXXX, many months after closure. An account can not be closed and receive new late payments. This internal data conflict is a " patently incorrect '' reporting error, as established in * XXXX XXXX XXXX, LLC * ( XXXX Cir. XXXX ). 

XXXX Inconsistencies : The same account often has different statuses, balances, and payment histories across the XXXX major credit bureaus, demonstrating a reckless disregard for accuracy. For example, the XXXX XXXX account reports a {$0.00} Credit Limit and a {$300.00} High Credit on Equifaxa mathematical impossibility.

These actions violate FCRA 1681s-2 ( a ), which prohibits furnishers from reporting information they know or consciously avoid knowing is inaccurate.

3. Complaint Against Credit Bureaus ( Equifax, Experian, TransUnion ) for Failure to Maintain Reasonable Procedures ( FCRA 1681e ( b ) ) The credit bureaus are equally culpable for publishing these obvious and glaring inaccuracies. Their automated systems clearly lack reasonable procedures to prevent the publication of information that is logically impossible on its face. 

By accepting and displaying data where accounts are both " closed '' and " currently late, '' or where a " high credit '' exceeds a " XXXX limit, '' the CRAs have failed their fundamental duty under FCRA 1681e ( b ) to " follow reasonable procedures to assure maximum possible accuracy. '' Attempts to Resolve : I have previously disputed these inaccuracies directly with the credit bureaus. The furnishers have likely verified this false information without proper investigation, perpetuating the harm. The severity and willful nature of these violations require the immediate attention and regulatory action of the CFPB.

Company response to consumer: Closed with non-monetary relief