Consumer complaint received 2025-06-04 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:
RE : Confirmation # XXXX | Date XX/XX/XXXX I requested my credit file from Equifax and found patent and egregious errors throughout my file. There is simply no excuse to report information this wrong. Below, I list the inaccuracies and omissions in my credit file. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : * XXXX You are reporting me as 30-59 days late. I was not late on this account as reported. I called in to make a payment and XXXX XXXX tried to pull my payment from the wrong account. I have two accounts on file with them and they made a mistake by attempting to get the money from the wrong account. They did not follow my instructions. I told them the right account to get the money from. After they tried the wrong account, they got the money by pulling it from the correct account. 

XXXX XXXX XXXX Account Number : XXXX XXXXXXXX I was not late on my payment in XX/XX/XXXX. Both XXXX and XXXX XXXX are reporting that I was not late on the XX/XX/XXXX payment. Modify the payment history by changing the XX/XX/XXXX payment from 30 days late to Current. 

XXXX XXXX XXXX, XXXX Account Number : * XXXX This car was basically a lemon. I had problems out the gate. I had to give back the car. But I was not credited the amount that I was promised. The balance should under {$10000.00} and around {$5000.00}. And the Date of First Delinquency is missing. 

XXXX XXXX XXXXXXXX Account Number XXXX XXXX XXXXXXXX This account was discharged in bankruptcy. The account status and comment section should reflect that the account was involved in a bankruptcy and that the debt has been discharged. 

XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX I had a secured account with XXXX. The card was secured with a {$400.00} balance. I never used up the {$400.00}. So, I never owed XXXX. The account should have never been charged off. XXXX owed me {$140.00} when they reported I owed them {$250.00}. I paid the account just to get it off my report. Equifax has reported the {$250.00} payment in the fields for Actual Payment Amount, Date of Last Payment, Activity Designator and Narrative Code. But the important field, the Status fied, reports the account as a Charge Off. And the Payment History does not report the payment.

Status : Charge Off Change this field to Paid Charge Off Charge Off Amount : {$250.00} Actual Payment Amount : {$250.00} Date of Last Payment : XX/XX/XXXX Activity Designator : Paid and Closed Narrative Code XXXX : Paid Charge Off XXXXXXXX XXXX XXXX  Account Number : XXXX XXXXXXXX This account was discharged in bankruptcy. The account status and comment section should reflect that the account was involved in a bankruptcy and that the debt has been discharged. 

XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX XXXXXXXX This account was discharged in bankruptcy. The account status and comment section should reflect that the account was involved in a bankruptcy and that the debt has been discharged. 

XXXX XXXX Account XXXX : XXXX XXXX This account was discharged in bankruptcy. The account status and comment section should reflect that the account was involved in a bankruptcy and that the debt has been discharged.

Company response to consumer: Closed with non-monetary relief