Consumer complaint received 2025-10-14 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: MD

Complaint narrative:
Inaccurate, inconsistent, and incomplete reporting of charged-off XXXX XXXX  XXXX account Account Information Creditor : XXXX XXXX  Account Name XXXX XXXX XXXX Account Number XXXX partial ) : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Account charged off {$24000.00} written off ; {$26000.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$26000.00} ( as of XX/XX/XXXX ) Credit Limit : {$24000.00} Highest Balance : {$26000.00} On Record Until : XX/XX/XXXX Recent Payment : None reported Monthly Payment : Not reported Summary of Complaint I am disputing the accuracy and consistency of how XXXX XXXX  is furnishing XXXX XXXX this charged-off credit-card account to the credit bureaus. The reporting contains multiple factual errors and conflicts that appear to violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which requires furnishers to provide accurate and complete data. 

Disputed Inaccuracies XXXX. Extended Charge-Off History The payment history shows XXXX consecutive months of CO ( Charge-Off ) status, beginning XX/XX/XXXX through XX/XX/XXXX. After an account is charged off, it can not continue to accumulate new CO months. Ongoing charge-off reporting exaggerates delinquency duration and misrepresents account activity. 
XXXX. Balance and Written-Off Amount Discrepancy The account lists a {$26000.00} balance and states that {$24000.00} was written off. This creates confusion regarding whether any portion remains collectible or whether the total outstanding amount exceeds what was charged off. Please verify that the balance, written-off value, and credit limit of {$24000.00} are all consistent with the original creditors records and contract terms. 
XXXX. Last Payment / Past-Due Conflict The file shows no recent payments, yet it simultaneously reports a past-due balance of {$26000.00} as of XX/XX/XXXX and a charge-off date of XX/XX/XXXX. Reporting both a charged off and currently past due status at the same time is contradictory and misleading under FCRA accuracy requirements. 
XXXX. Missing or No Data ( ND ) Months Multiple months between XXXX and XXXX are reported as ND. Missing payment data prevents an accurate timeline of the account and may unfairly affect credit-scoring models. Each month should be verified or properly updated. 
XXXX. Status Information Inconsistency The account reflects Charged Off {$24000.00} written off, while also listing {$26000.00} past due as of XX/XX/XXXX. A charged-off account should not continue to accrue new past-due amounts. Additionally, the status-update date of XX/XX/XXXX conflicts with ongoing balance updates through XXXX, suggesting incorrect coding of the account as active. Please verify whether this account remains with XXXX XXXX  or has been sold, transferred, or settled. 

Requested Action I request that XXXX XXXX and all credit-reporting agencies ( Equifax, Experian, and TransUnion ) XXXX XXXX. Conduct a complete reinvestigation pursuant to FCRA 611. 
XXXX. Verify each disputed entry using the original account documentation. 
XXXX. Correct or delete any unverifiable, inconsistent, or outdated data. 
XXXX. Provide written confirmation of all corrections or deletions. 

Supporting Documentation I can provide : My current credit report highlighting disputed data. 
Correspondence with XXXX XXXX  or the credit bureaus. 
Any payment or settlement documentation available. 

Consumer Statement The information reported by XXXX XXXX  does not accurately represent this accounts true history. Repetitive charge-off reporting, the discrepancy between the {$24000.00} written-off amount and {$26000.00} past-due balance, and inconsistent status updates have caused harm to my credit profile. I request a full reinvestigation and correction to ensure compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation