Consumer complaint received 2025-08-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nEquifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX \nDear Equifax, \nI am writing to formally dispute the accuracy and completeness of the information being reported \non my credit file for the XXXX XXXXXXXX account referenced above. After reviewing my credit \nreport dated XXXX XXXX XXXX  I believe the reporting contains errors and potential violations of \nthe Fair Credit Reporting Act (FCRA) and other applicable laws. \nDetails of the disputed account: \n Creditor: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount Type: Installment  Auto Loan \n Date Opened: XXXX \n Date CloseXXXX XXXX \n Reported BalanceXXXX XXXX  \n Past Due Amount: XXXX XXXXn Charge-Off Amount: XXXX XXXXn Status: Closed/Charged Off \nIssues and Disputed Items: \n1. Inconsistent Reporting of Dates and Statuses: \no The account shows as Closed but continues to report a Past Due balance and \ncharge-off status, which may create duplicate negative impact. Once charged off \nand closed, past due is not typically applicable. \n2. Incomplete or Conflicting Payment History: \no Payment status history reflects prolonged charge-off coding (CO) for multiple \nyears without proper update to reflect accurate post-charge-off status. \no There appears to be conflicting information regarding the Date of Last Payment \nXXXX versus the Date of First Delinquency XXXX \n3. Potential Re-aging of Debt: \no The Date Reported is 0XXXX, significantly later than the delinquency dates, \nwhich may improperly extend the negative reporting period beyond what the \nFCRA allows (typically 7 years from the date of first delinquency). \n4. Possible Balance Inaccuracy: \no The combination of Charge-Off Amount XXXX and Past Due Amount \XXXX XXXXs unclear and may not accurately reflect the true balance, especially if \nthe debt has been sold or transferred. \nRequested Action: \nUnder my rights granted by the Fair Credit Reporting Act (15 U.S.C.  1681), I request that \nEquifax: \n Conduct a full reinvestigation of this account. \n Verify the accuracy of all reported fields with XXXX XXXX \n Remove or correct any inaccurate, outdated, or unverifiable information immediately. \n Provide me with a written statement of the investigation results, including the name and \ncontact information of the party that verified the disputed data. \nI have enclosed a copy of my credit report with the disputed items highlighted, along with proof \nof my identity (drivers license and utility bill). \nPlease consider this letter a formal dispute of the XXXX XXXX account as it appears on my \nreport. If the information cannot be verified within the statutory period, I request its prompt \ndeletion. \nThank you for your prompt attention to this matter. \nSincerely, XXXX XXXX XXXX XXXX XXXX XXXXnEnclosures: \n Copy of credit report with disputed account highlighted \n Copy of photo ID \n Proof of current address\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Direct Dispute  Inaccurate Credit Reporting (Account XXXX XXXX XXXX XXXX XXXX XXXX,\nI am writing to dispute the accuracy of the information you have furnished to the credit reporting agencies regarding my auto loan account listed above. This dispute is being made under the Fair Credit Reporting Act (FCRA), including 15 U.S.C.  1681s-2(a) & (b), and the Fair Debt Collection Practices Act (FDCPA) if applicable.\nAccount details as reported:\n\tAccount Type: Installment  Auto Loan\n\tDate Opened: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\tCharge-Off AmountXXXX XXXXn\tStatus: Closed/Charged Off\nDisputed Issues:\n1.\tConflicting Status & Balances  The account shows both Closed and Charge-Off with a continuing Past Due balance. This is contradictory and may result in misleading negative credit impact.\n2.\tDate Discrepancies  The Date of Last Payment XXXX conflicts with the Date of First Delinquency XXXX. This inconsistency raises concerns about account re-aging, which is prohibited by the FCRA.\n3.\tPayment History Errors  Multiple consecutive years of Charge-Off coding without proper status updates appear inaccurate and do not reflect the true payment history.\n4.\tPotential Re-Aging of Debt  The Date Reported of XXXX  is significantly later than the original delinquency date, which could unlawfully extend the reporting period beyond the allowed 7 years.\n5.\tUnclear Balance Reporting  The relationship between the Charge-Off Amount and Past Due Amount is not clearly documented and may be inaccurate, especially if the debt has been sold or settled.\nRequested Action:\nPursuant to the FCRA, I request that XXXX XXXX:\n\tInvestigate these discrepancies.\n\tProvide written documentation supporting each reported figure and date.\n\tCorrect or delete any inaccurate, unverifiable, or outdated information with all credit bureaus to which you have reported.\n\tProvide me with a written confirmation of the outcome of your investigation within the required time frame.\nI have enclosed a copy of my credit report highlighting the disputed account, along with proof of my identity and current address.\nIf you are unable to verify the disputed information with accurate documentation, you must immediately update your reporting to reflect the correct and lawful status of this account.\nSincerely,\nXXXX XXXX XXXX XXXX XXXXnEnclosures:\n\tCopy of credit report highlighting disputed items\n\tCopy of government-issued ID\n\tProof of current address'

Company response to consumer: Closed with explanation