Consumer complaint received 2025-07-12 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: MI

Complaint narrative:
I am formally challenging the outcome of Equifaxs reinvestigation dated XX/XX/XXXX, regarding the above-referenced account. Equifaxs finding that the tradeline was verified as accurate is not only unsupported by the evidence but contradicts both creditor correspondence and standard credit reporting procedures. I am requesting a full reinvestigation and correction or deletion of the account, as required under the Fair Credit Reporting Act ( FCRA ), due to the following material errors and unverifiable data : Incorrect Last Payment Date Equifax Claim : Last payment made in XX/XX/XXXX Why Its Unverifiable : I submitted a full payment of {$370.00} on XX/XX/XXXX, as shown on the official First XXXX payment confirmation email. 
There is no documentation provided by either Equifax or XXXX XXXX to support a XX/XX/XXXX payment. 
Reporting a false last payment date misrepresents the timeline and undermines any claim of proper verification. 
No method of verification was provided to explain how a XXXX date was established when the documented and acknowledged payment occurred in XXXX. 

Contradictory Account Closure and Charge-Off Dates Equifax Claim : Account closed on XX/XX/XXXX Creditor Claim : Account charged off on XX/XX/XXXX Why Its Unverifiable : A creditor can not legally charge off an account on XX/XX/XXXX and then report the account as closed weeks later on XX/XX/XXXX, unless it remained active in that time which contradicts their own charge-off claim. 
These two dates represent different statuses and can not both be true simultaneously. 
No documentation or validation was provided to reconcile the inconsistency between charge-off and closure events, making the timeline unverifiable. 

Improper Application of Charge-Off Status Without Disclosure Equifax Claim : Account was charged off in XX/XX/XXXX and paid after charge-off Why Its Unverifiable : I received a billing statement email dated XX/XX/XXXX the same day the creditor now claims the account was charged off. 
Creditors do not issue billing statements for accounts that are already charged off, nor do they encourage payment on closed/charged-off accounts without clearly notifying the consumer of the charge-off status. 
No disclosure of the charge-off was provided before or during the XX/XX/XXXX payment. 
This means the charge-off status was applied retroactively and without real-time notice, violating FCRA and making the XXXX date unverifiable by both creditor and bureau. 

Post-Charge-Off/Closure Account Activity ( Re-aging Violations ) Equifax Claim : Account closed/charged off XXXX XX/XX/XXXX Equifax Report Shows : Updates or reporting in XX/XX/XXXX and XX/XX/XXXX Why Its Unverifiable : An account that was closed and charged off in XX/XX/XXXX should not reflect any new activity or status updates in XXXX or XXXX. 
Continued monthly reporting after a charge-off creates the false appearance of ongoing delinquency or activity and may constitute account re-aging, which is prohibited by FCRA and XXXX XXXX XXXX. 
Equifax has provided no evidence or legal basis for these post-closure updates, and no creditor documentation has justified this ongoing activity, rendering it unverifiable. 

Failure to Reconcile Conflicting Furnisher Data Why Its Unverifiable : Equifax relied on contradictory data provided by XXXX XXXX XXXX without questioning the internal inconsistencies. 
Specifically : Payment occurred in XX/XX/XXXX, yet reported as XX/XX/XXXX Charge-off occurred on the same day as a billing statement Account closed weeks after charge-off Post-charge-off activity reported nearly 517 months after closure No competent evidence was provided to resolve or explain these contradictions, as required under FCRA 611 ( a XXXX, rendering the reinvestigation incomplete and the tradeline unverifiable. 

Due to these factual contradictions and the absence of valid verification, I am requesting : XXXX. A copy of the method of verification used to confirm the account status ; XXXX. Immediate correction of the reporting to reflect Paid as Agreed or complete deletion of the tradeline, as the data is materially inaccurate and unverifiable

Company response to consumer: Closed with non-monetary relief