Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
This complaint is not a duplicate. It raises new factual issues and new evidence that were not part of my prior CFPB filings. XXXX XXXX XXXX XXXX continues to unlawfully re-age and misreport accounts that I fully paid on XX/XX/XXXX through a refinance payoff. 

I satisfied XXXX XXXX credit card accounts in full ( # XXXX, # XXXX, # XXXX ). Despite this, XXXX continues to report these tradelines to XXXX, Equifax, and XXXX  as charge-offs with XXXX XXXX last payment and status update dates. This creates the false impression that I defaulted again in XXXX and still owe balances, when in reality the accounts were charged off years earlier and paid in full. 

This conduct is unlawful and materially misleading : FDCPA 1692e Prohibits false or misleading representations in connection with debt collection. Reporting a fully paid account as a XXXX charge-off misrepresents the status of the debt. 
FCRA 605 ( c ) The reporting period must run from the original Date of First Delinquency ( DOFD ), not a later payoff or update date. XXXX is unlawfully re-aging these accounts. 
FCRA 1681s-2 ( b ) Furnishers must investigate and correct after notice of dispute. XXXX has refused to correct despite multiple disputes and new evidence. 
FCRA 1681e ( b ) CRAs must ensure maximum possible accuracy. Reporting paid accounts as fresh charge-offs in XXXX is materially false. 
Metro 2 Standards Paid/closed charge-offs must be coded Paid/Closed, {$0.00} balance, not refreshed as new derogatory events. 

Case law confirms this conduct is unlawful : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Even technically accurate reporting can violate FCRA if it creates a misleading impression. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furnishers must ensure accuracy when verifying disputes. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Accuracy requires avoiding misleading impressions, not just factual correctness. 

New Evidence : Refinance payoff documentation ( XX/XX/XXXX ) proving XXXX received full payment. 
XX/XX/XXXX credit reports showing XXXX re-aged accounts with XXXX status dates. 
OCC complaint filed XX/XX/XXXX, along with FTC Report XXXX. XXXX and an Illinois Attorney General complaint. These filings demonstrate the seriousness and ongoing nature of the violations. 

Harm : XXXX  false reporting has caused measurable financial damage. By making it appear that I defaulted again in XXXX, my mortgage refinance interest rate increased by 0.51.0 %, adding an estimated {$25000.00} {$50000.00} in costs over the loan term. My credit scores remain suppressed, I continue to face higher borrowing costs, and I have suffered emotional distress and wasted time disputing data XXXX refuses to correct. 

Why this is not duplicate : Each new update XXXX furnished in XXXX is a fresh violation of FCRA and FDCPA. This complaint presents new dates, new evidence, and new regulatory filings. Under FCRA 623 ( b ) and Regulation V, 12 C.F.R. 1022.43 ( e ) ( 1 ), a dispute can not be dismissed as duplicate when new factual issues and evidence are presented. XXXX  repeated use of that label is an abuse of process and proof of willful noncompliance.

Company response to consumer: Closed with explanation